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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER Service code 15 · EIN 13-5674085 4 WORLD FINANCIAL CENTER · NEW YORK, NY 10281 | Recordkeeping | $43,540 |
PAYCHEX, INC.6+ years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $22,005 |
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 | $90,272 | $111,608-19.1% | $177,840-49.2% | $73,412+23.0% |
| Participation rate | 74.9% | 87.9%-12.9pp | 87.7%-12.8pp | 72.2%+2.7pp |
| Annual return | 11.66% | 18.23%-6.6pp | 48.32%-36.7pp | 59.30%-47.6pp |
| Employer contribution / active EE | $929 | $3,796-75.5% | $5,919-84.3% | $2,234-58.4% |
| Participant deferral / active EE | $3,553 | $6,199-42.7% | $7,714-53.9% | $3,806-6.6% |
| Admin fee / account holder | $264 | $166+59.6% | $12,431-97.9% | $158+67.4% |