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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) | $17,788 |
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 | $47,014 | $26,549+77.1% | $61,452-23.5% | $66,938-29.8% |
| Participation rate | 43.7% | 38.1%+5.6pp | 52.6%-8.9pp | 69.8%-26.2pp |
| Annual return | -18.89% | -16.21%-2.7pp | 338.96%-357.8pp | 1.58%-20.5pp |
| Employer contribution / active EE | $1,054 | $651+61.8% | $1,160-9.1% | $2,545-58.6% |
| Participant deferral / active EE | $2,036 | $1,338+52.2% | $2,125-4.2% | $4,238-52.0% |
| Admin fee / account holder | $583 | $409+42.7% | $2,131-72.6% | $594-1.8% |