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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $33,911 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $7,249 |
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 | $36,592 | $91,372-60.0% | $130,045-71.9% | $74,460-50.9% |
| Participation rate | 85.4% | 77.8%+7.6pp | 78.5%+6.9pp | 70.7%+14.7pp |
| Annual return | 19.77% | 23.21%-3.4pp | -137.30%+157.1pp | 34.38%-14.6pp |
| Employer contribution / active EE | $3,803 | $2,563+48.4% | $4,321-12.0% | $2,638+44.2% |
| Participant deferral / active EE | $2,861 | $4,721-39.4% | $5,820-50.8% | $4,530-36.8% |
| Admin fee / account holder | $174 | $283-38.5% | $10,600-98.4% | $348-49.9% |