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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $11,246 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $32,249 | $31,679+1.8% | $74,719-56.8% | $65,185-50.5% |
| Participation rate | 69.9% | 40.4%+29.6pp | 54.5%+15.4pp | 70.2%-0.3pp |
| Annual return | 13.10% | 39.04%-25.9pp | 753.05%-740.0pp | 29.38%-16.3pp |
| Employer contribution / active EE | $704 | $566+24.4% | $1,084-35.1% | $2,177-67.7% |
| Participant deferral / active EE | $1,840 | $1,191+54.5% | $1,963-6.3% | $3,514-47.6% |
| Admin fee / account holder | $56 | $379-85.3% | $3,334-98.3% | $847-93.4% |