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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $13,135 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $576 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $34,768 | $100,801-65.5% | $149,730-76.8% | $73,412-52.6% |
| Participation rate | 10.8% | 77.7%-66.9pp | 82.5%-71.7pp | 72.2%-61.4pp |
| Annual return | 13.71% | 265.34%-251.6pp | 276.70%-263.0pp | 59.30%-45.6pp |
| Employer contribution / active EE | $0 | $3,312-100.0% | $4,645-100.0% | $2,234-100.0% |
| Participant deferral / active EE | $1,139 | $6,404-82.2% | $6,843-83.4% | $3,806-70.1% |
| Admin fee / account holder | $329 | $181+82.1% | $9,310-96.5% | $158+108.6% |