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| Provider | Service type | Compensation |
|---|---|---|
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Filed as: MERRILL LYNCH Service code 27 · EIN 13-2638166 101 BULLITT LANE, STE 400 · LOUISVILLE, KY 40222 | Advisory (Plan) | $70,619 |
UMR10+ years Service code 13 · EIN 39-1336870 333 WEST VINE STREET · LEXINGTON, KY 40507 | Contract Administrator | $12,000 |
ASCENSUS LLC2 years Filed as: LEDBETTER PARTNERS LLC Service code 29 · EIN 03-0599899 5078 WOOSTER RD., STE 400 · CINCINNATI, OH 45226 | Legal | $10,900 |
FRANK N HESTAND CPA PSC10+ years Service code 10 · EIN 61-1336870 261 REGENCY CIRCLE · LEXINGTON, KY 40503 | Accounting | $6,000 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,652 | $93,345-71.4% | $119,126-77.6% | $87,485-69.5% |
| Participation rate | 92.6% | 68.7%+23.9pp | 75.8%+16.8pp | 68.9%+23.7pp |
| Annual return | 9.88% | 19.08%-9.2pp | 282.11%-272.2pp | 26.06%-16.2pp |
| Employer contribution / active EE | $5,288 | $3,172+66.7% | $4,034+31.1% | $2,596+103.7% |
| Participant deferral / active EE | $0 | $4,099-100.0% | $5,318-100.0% | $4,274-100.0% |
| Admin fee / account holder | $371 | $8,039-95.4% | $10,693-96.5% | $7,775-95.2% |