Filed October 14, 2025 (most recent of 2 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $1,037,193 |
BDO USA, LLP8 years Filed as: BDO Service code 50 100 SE 2ND STREET · MIAMI, FL 33131 | Direct Payment | $60,437 |
ECEB LAW1 year Service code 50 25 SE 2ND AVENUE · MIAMI, FL 33131 | Direct Payment | $5,270 |
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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $53,144 | $63,356-16.1% | $102,437-48.1% | $106,553-50.1% |
| Participation rate | 39.2% | 84.3%-45.1pp | 74.5%-35.3pp | 69.8%-30.7pp |
| Annual return | 21.63% | 14.77%+6.9pp | 24.95%-3.3pp | 17.37%+4.3pp |
| Employer contribution / active EE | $1,480 | $4,310-65.7% | $3,871-61.8% | $3,359-55.9% |
| Participant deferral / active EE | $2,890 | $3,479-16.9% | $5,060-42.9% | $5,562-48.0% |
| Admin fee / account holder | $81 | $110-26.8% | $8,388-99.0% | $80+1.2% |