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 | $1,009,465 |
Service code 50 · EIN 13-9764786 | Direct Payment | $26,095 |
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 | $42,627 | $55,730-23.5% | $96,543-55.8% | $96,393-55.8% |
| Participation rate | 39.8% | 82.8%-43.1pp | 74.3%-34.6pp | 71.3%-31.5pp |
| Annual return | 19.50% | 12.78%+6.7pp | 35.75%-16.2pp | 22.88%-3.4pp |
| Employer contribution / active EE | $1,523 | $4,014-62.1% | $3,741-59.3% | $3,239-53.0% |
| Participant deferral / active EE | $2,968 | $3,393-12.5% | $4,880-39.2% | $5,455-45.6% |
| Admin fee / account holder | $78 | $105-25.6% | $6,737-98.8% | $74+6.2% |