See peer percentile detail. $4.99 for your first month.
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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) | $8,745 |
Filed as: MERRILL LYNCH - FAS Service code 26 · EIN 13-5674085 150 N COLLEGE ST · CHARLOTTE, NC 28202 | Advisory (Participants) | $8,745 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO. Service code 15 · EIN 01-0233346 | Recordkeeping | $1,725 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,663 | $61,272-50.0% | $149,673-79.5% | $71,457-57.1% |
| Participation rate | 63.9% | 62.5%+1.4pp | 78.8%-14.9pp | 67.9%-4.1pp |
| Annual return | 21.24% | 35.85%-14.6pp | 134.42%-113.2pp | 28.85%-7.6pp |
| Employer contribution / active EE | $903 | $2,378-62.0% | $4,818-81.3% | $2,588-65.1% |
| Participant deferral / active EE | $2,935 | $2,917+0.6% | $5,680-48.3% | $4,289-31.6% |
| Admin fee / account holder | $405 | $1,261-67.9% | $13,210-96.9% | $1,587-74.5% |