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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 84-0467907 | Recordkeeping | $17,650 |
Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $14,947 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $79,200 | $37,463+111.4% | $77,096+2.7% | $66,938+18.3% |
| Participation rate | 28.9% | 52.9%-24.0pp | 67.9%-39.0pp | 69.8%-40.9pp |
| Annual return | -17.93% | -3.25%-14.7pp | 42.35%-60.3pp | 1.58%-19.5pp |
| Employer contribution / active EE | $25 | $1,535-98.4% | $2,814-99.1% | $2,545-99.0% |
| Participant deferral / active EE | $2,986 | $2,621+13.9% | $4,429-32.6% | $4,238-29.5% |
| Admin fee / account holder | $422 | $568-25.7% | $5,428-92.2% | $594-28.9% |