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| Provider | Service type | Compensation |
|---|---|---|
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Filed as: MERRILL LYNCH, PIERCE, FENNER Service code 27 · EIN 13-5674085 4 WORLD FINANCIAL CENTER · NEW YORK, NY 10281 | Advisory (Plan) | $75,949 |
PAYCHEX, INC.10+ years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $31,974 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $70,405 | $129,227-45.5% | $184,256-61.8% | $77,762-9.5% |
| Participation rate | 91.9% | 87.4%+4.5pp | 86.8%+5.1pp | 70.6%+21.3pp |
| Annual return | 10.70% | 33.24%-22.5pp | 28.85%-18.1pp | 31.27%-20.6pp |
| Employer contribution / active EE | $1,054 | $4,412-76.1% | $6,427-83.6% | $2,728-61.4% |
| Participant deferral / active EE | $3,632 | $7,307-50.3% | $9,133-60.2% | $4,651-21.9% |
| Admin fee / account holder | $286 | $256+11.9% | $13,899-97.9% | $433-33.9% |