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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $23,320 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $3,284 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $27,374 | $78,419-65.1% | $133,978-79.6% | $73,412-62.7% |
| Participation rate | 93.2% | 78.6%+14.6pp | 79.8%+13.4pp | 72.2%+21.0pp |
| Annual return | 19.68% | 33.35%-13.7pp | 45.10%-25.4pp | 59.30%-39.6pp |
| Employer contribution / active EE | $2,244 | $2,044+9.8% | $3,919-42.7% | $2,234+0.4% |
| Participant deferral / active EE | $2,656 | $3,925-32.3% | $5,047-47.4% | $3,806-30.2% |
| Admin fee / account holder | $164 | $161+1.5% | $8,930-98.2% | $158+3.7% |