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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $25,636 |
MERRIL LYNCH4 years Filed as: MERRIL LYNCH 150 N. COLLEGE STREET Service code 26 · EIN 13-5674085 | Advisory (Participants) | $20,412 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $63,978 | $84,493-24.3% | $125,381-49.0% | $66,938-4.4% |
| Participation rate | 69.2% | 76.4%-7.2pp | 82.4%-13.2pp | 69.8%-0.6pp |
| Annual return | -17.35% | -8.49%-8.9pp | 572.31%-589.7pp | 1.58%-18.9pp |
| Employer contribution / active EE | $1,350 | $3,554-62.0% | $4,815-72.0% | $2,545-47.0% |
| Participant deferral / active EE | $6,114 | $6,783-9.9% | $7,448-17.9% | $4,238+44.3% |
| Admin fee / account holder | $382 | $685-44.2% | $10,007-96.2% | $594-35.6% |