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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH - EPS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $20,884 |
Filed as: MERRILL LYNCH - FAS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $20,884 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $2,700 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,137 | $106,264-34.0% | $147,117-52.3% | $77,762-9.8% |
| Participation rate | 18.8% | 78.4%-59.6pp | 82.2%-63.4pp | 70.6%-51.8pp |
| Annual return | 14.55% | 56.94%-42.4pp | 420.54%-406.0pp | 31.27%-16.7pp |
| Employer contribution / active EE | $0 | $4,074-100.0% | $4,932-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $2,482 | $8,003-69.0% | $8,065-69.2% | $4,651-46.6% |
| Admin fee / account holder | $395 | $334+18.3% | $12,993-97.0% | $433-8.7% |