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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $23,768 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,102 | $69,305-73.9% | $82,312-78.0% | $69,631-74.0% |
| Participation rate | 100.0% | 80.3%+19.7pp | 76.9%+23.1pp | 70.7%+29.3pp |
| Annual return | 12.92% | 21.47%-8.5pp | 25.88%-13.0pp | 27571.02%-27558.1pp |
| Employer contribution / active EE | $1,160 | $1,887-38.5% | $2,428-52.2% | $2,032-42.9% |
| Participant deferral / active EE | $1,243 | $3,568-65.2% | $3,706-66.5% | $3,224-61.5% |
| Admin fee / account holder | $82 | $97-15.7% | $5,608-98.5% | $110-25.8% |