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 | $157,776 |
BDO USA, LLP4 years Filed as: BDO Service code 50 · EIN 13-5381590 | Direct Payment | $54,303 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $34,376 | $52,155-34.1% | $101,275-66.1% | $106,273-67.7% |
| Participation rate | 38.8% | 81.2%-42.3pp | 75.8%-37.0pp | 70.8%-32.0pp |
| Annual return | 13.02% | 13.07%-0.1pp | 46.46%-33.4pp | 21.70%-8.7pp |
| Employer contribution / active EE | $1,184 | $3,414-65.3% | $3,660-67.6% | $2,722-56.5% |
| Participant deferral / active EE | $2,170 | $2,716-20.1% | $4,370-50.3% | $4,601-52.8% |
| Admin fee / account holder | $22 | $102-78.6% | $5,948-99.6% | $78-72.2% |