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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 150 N COLLEGE STREET · CHARLOTTE, NC 28202 | Advisory (Participants) | $17,930 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,746 | $39,286+26.6% | $80,741-38.4% | $79,393-37.3% |
| Participation rate | 44.7% | 41.0%+3.7pp | 54.2%-9.5pp | 70.7%-26.0pp |
| Annual return | 13.65% | 98.95%-85.3pp | 87.30%-73.6pp | 116.87%-103.2pp |
| Employer contribution / active EE | $1,119 | $594+88.4% | $1,160-3.6% | $2,428-53.9% |
| Participant deferral / active EE | $2,077 | $1,264+64.4% | $2,145-3.2% | $4,046-48.7% |
| Admin fee / account holder | $581 | $647-10.2% | $3,380-82.8% | $627-7.3% |