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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL, LYNCE, PIERCE ET. AL. Service code 28 · EIN 13-5674085 4 WORLD FINANCIAL CENTER · NEW YORK, NY 10281 | Investment Management | $46,013 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $512,027 | $125,778+307.1% | $114,563+346.9% | $154,746+230.9% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.9%+27.1pp | 80.7%+19.3pp |
| Annual return | 4.83% | 295.14%-290.3pp | 241.09%-236.3pp | 172.34%-167.5pp |
| Employer contribution / active EE | $3,750 | $2,806+33.6% | $2,592+44.7% | $4,379-14.4% |
| Participant deferral / active EE | $0 | $4,445-100.0% | $4,142-100.0% | $6,730-100.0% |
| Admin fee / account holder | $25,870 | $8,190+215.9% | $7,623+239.4% | $14,365+80.1% |