Filed October 14, 2025 (most recent of 2 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $151,160 |
Filed as: MERRILL LYNCH CONSULTING SERVICES Service code 70 · EIN 94-1687665 | Consulting Fees | $55,835 |
BDO USA, LLP1 year Filed as: BDO SEIDMAN, LLP Service code 50 P.O. BOX 642743 · PITTSBURGH, PA 152642743 | Direct Payment | $51,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $27,136 | $49,973-45.7% | $83,831-67.6% | $73,367-63.0% |
| Participation rate | 33.5% | 77.8%-44.3pp | 76.1%-42.6pp | 69.5%-35.9pp |
| Annual return | -5.35% | 0.83%-6.2pp | 850.99%-856.3pp | 173.45%-178.8pp |
| Employer contribution / active EE | $918 | $3,293-72.1% | $3,631-74.7% | $2,499-63.3% |
| Participant deferral / active EE | $1,633 | $2,341-30.2% | $4,082-60.0% | $4,033-59.5% |
| Admin fee / account holder | $37 | $95-61.4% | $5,479-99.3% | $68-46.3% |