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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $36,249 |
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $25,420 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,432 | $61,391-21.1% | $149,723-67.7% | $71,529-32.3% |
| Participation rate | 57.5% | 62.5%-5.0pp | 78.8%-21.3pp | 67.9%-10.5pp |
| Annual return | 14.52% | 35.88%-21.4pp | 134.50%-120.0pp | 28.97%-14.5pp |
| Employer contribution / active EE | $455 | $2,384-80.9% | $4,821-90.6% | $2,590-82.4% |
| Participant deferral / active EE | $2,465 | $2,921-15.6% | $5,682-56.6% | $4,291-42.6% |
| Admin fee / account holder | $477 | $1,264-62.3% | $13,215-96.4% | $1,588-70.0% |