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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 | $70,088 |
PAYCHEX, INC.8+ years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $28,015 |
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 4 WORLD FINANCIAL CENTER · NEW YORK, NY 10281 | Recordkeeping | $6,027 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $66,764 | $86,897-23.2% | $151,628-56.0% | $64,814+3.0% |
| Participation rate | 84.3% | 87.3%-3.0pp | 87.5%-3.2pp | 71.5%+12.8pp |
| Annual return | -14.84% | -3.57%-11.3pp | 3.34%-18.2pp | 32.84%-47.7pp |
| Employer contribution / active EE | $901 | $4,010-77.5% | $6,165-85.4% | $2,507-64.1% |
| Participant deferral / active EE | $3,451 | $6,690-48.4% | $8,363-58.7% | $4,310-19.9% |
| Admin fee / account holder | $307 | $153+100.5% | $11,613-97.4% | $188+63.3% |