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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 | $101,618+403.9% | $93,063+450.2% | $137,256+273.0% |
| Participation rate | 100.0% | 74.9%+25.1pp | 72.1%+27.9pp | 80.0%+20.0pp |
| Annual return | 4.83% | 223.95%-219.1pp | 34.15%-29.3pp | 220.34%-215.5pp |
| Employer contribution / active EE | $3,750 | $2,707+38.5% | $2,476+51.4% | $4,156-9.8% |
| Participant deferral / active EE | $0 | $4,279-100.0% | $3,958-100.0% | $6,407-100.0% |
| Admin fee / account holder | $25,870 | $6,198+317.4% | $6,033+328.8% | $12,270+110.8% |