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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH - EPS Service code 26 · EIN 13-5674085 150 N COLLEGE ST · CHARLOTTE, NC 28202 | Advisory (Participants) | $11,277 |
Filed as: MERRILL LYNCH - FAS Service code 26 · EIN 13-5674085 150 N COLLEGE ST · CHARLOTTE, NC 28202 | Advisory (Participants) | $11,277 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO. Service code 15 · EIN 01-0233346 | Recordkeeping | $700 |
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 | $33,469 | $55,423-39.6% | $155,602-78.5% | $74,400-55.0% |
| Participation rate | 64.4% | 61.9%+2.5pp | 78.2%-13.8pp | 67.2%-2.8pp |
| Annual return | 19.32% | 269.07%-249.7pp | 64.81%-45.5pp | 1367.51%-1348.2pp |
| Employer contribution / active EE | $855 | $2,266-62.3% | $4,675-81.7% | $2,624-67.4% |
| Participant deferral / active EE | $2,924 | $2,835+3.2% | $5,629-48.1% | $4,348-32.8% |
| Admin fee / account holder | $398 | $1,744-77.2% | $15,923-97.5% | $1,944-79.5% |