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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $33,101 |
MALONEY & NOVOTNY LLC4+ years Filed as: MALONEY AND NOVOTNY LLC Service code 10 1111 SUPERIOR AVENUE EAST · CLEVELAND, OH 44114 | Accounting | $12,300 |
Employer 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.)
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 | $48,854 | $86,940-43.8% | $102,434-52.3% | $80,935-39.6% |
| Participation rate | 77.6% | 72.4%+5.2pp | 76.5%+1.1pp | 67.7%+10.0pp |
| Annual return | 12.13% | 18.89%-6.8pp | 29.46%-17.3pp | 35.66%-23.5pp |
| Employer contribution / active EE | $69 | $2,370-97.1% | $3,023-97.7% | $2,757-97.5% |
| Participant deferral / active EE | $4,509 | $4,121+9.4% | $5,055-10.8% | $4,299+4.9% |
| Admin fee / account holder | $331 | $8,047-95.9% | $9,462-96.5% | $6,924-95.2% |