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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC7 years Service code 15 · EIN 11-3665754 | Recordkeeping | $18,740 |
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $12,655 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $22,771 | $50,812-55.2% | $155,602-85.4% | $77,692-70.7% |
| Participation rate | 21.1% | 63.1%-42.0pp | 78.2%-57.1pp | 70.6%-49.5pp |
| Annual return | 13.22% | 34.85%-21.6pp | 64.81%-51.6pp | 31.25%-18.0pp |
| Employer contribution / active EE | $589 | $1,989-70.4% | $4,675-87.4% | $2,726-78.4% |
| Participant deferral / active EE | $828 | $2,822-70.7% | $5,629-85.3% | $4,648-82.2% |
| Admin fee / account holder | $231 | $436-47.1% | $15,923-98.6% | $431-46.4% |