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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $16,756 |
Filed as: MERRILL LYNCH Service code 27 · EIN 13-5674085 | Advisory (Plan) | $14,823 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.)
Form 5500 reported that benefits due were not provided when due.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,166 | $55,002-23.3% | $59,887-29.6% | $56,287-25.1% |
| Participation rate | 67.5% | 75.9%-8.4pp | 74.7%-7.2pp | 69.9%-2.4pp |
| Annual return | 10.54% | 1.13%+9.4pp | 3.46%+7.1pp | -9.96%+20.5pp |
| Employer contribution / active EE | $16 | $2,448-99.4% | $2,722-99.4% | $2,111-99.3% |
| Participant deferral / active EE | $1,841 | $3,121-41.0% | $3,402-45.9% | $3,350-45.0% |
| Admin fee / account holder | $343 | $236+45.6% | $3,591-90.4% | $521-34.1% |