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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 84-0467907 | Recordkeeping | $18,059 |
Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 99 · EIN 13-5674085 | Other Fees | $11,786 |
Filed as: MESIROW FINANCIAL INVESTMENT MGMT Service code 49 | Other Services | $30 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $61,763 | $79,694-22.5% | $96,161-35.8% | $79,393-22.2% |
| Participation rate | 21.6% | 54.0%-32.4pp | 68.4%-46.9pp | 70.7%-49.1pp |
| Annual return | 13.35% | 40.84%-27.5pp | 192.01%-178.7pp | 116.87%-103.5pp |
| Employer contribution / active EE | $450 | $1,443-68.8% | $2,798-83.9% | $2,428-81.5% |
| Participant deferral / active EE | $1,190 | $2,539-53.1% | $4,349-72.6% | $4,046-70.6% |
| Admin fee / account holder | $351 | $630-44.3% | $5,538-93.7% | $627-44.0% |