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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $128,305 |
HEARD MCELROY & VESTAL, LLC6 years Filed as: HEARD, MCELROY & VESTAL, LLC Service code 70 PO BOX 1607 · SHREVEPORT, LA 71165 | Consulting Fees | $17,000 |
8 funds of $250K or more; 22 lines in all, holding $23.3M of the plan's $30.2M. From the 2024 filing. Recordkeeper: Bank of America (Merrill).
| Fund | Dollars | % of funds% |
|---|---|---|
| iShares S&P 500 Index Fund Class K Shares BlackRock · ETF Index | $5.2M | 22.5% |
| iShares U.S. Aggregate Bond Index Fund BlackRock · ETF Index | $4.5M | 19.2% |
| iShares MSCI EAFE Intrnl Index GM BlackRock · ETF Index | $4.2M | 18.1% |
| JP Morgan Equity Incm FD R6 GM JPMorgan · Mutual fund | $2.9M | 12.6% |
| T. Rowe Price T Rowe Price Blue CP GR Inv GM T. Rowe Price · Mutual fund | $1.8M | 7.9% |
| Aberdeen Emergng Mrkt Instl Gm Manager not matched · Mutual fund | $1.7M | 7.2% |
| Ishares Russell 2000 Sml-Cp GM BlackRock · ETF Index | $1.3M | 5.5% |
| PIMCO Intrnl BD Usd Hedge GM PIMCO (Allianz) · Mutual fund | $1.1M | 4.8% |
| iShares U.S. Aggregate Bond Index Fund Class K Shares BlackRock · ETF Index | $203K | 0.9% |
| Nuveen Small Cap Value Fund (Y) TIAA (Nuveen) · Mutual fund | $63K | 0.3% |
Covers 60,908 large plans that list their funds in their annual filing. Updated Nov 2, 2026. Shares describe these plans, not the whole market.
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.