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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 6751 OLD JACKSONVILLE HWY · TYLER, TX 75703 | Advisory (Participants) | $24,773 |
PENSION ASSURANCE LLP6 years Filed as: PENSION PLANNING CONSULTANTS, INC. Service code 12 · EIN 85-0402842 6201 UPTOWN BLVD NE · ALBUQUERQUE, NM 87110 | Consulting (general); Participant loa... | $4,200 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $1,857 |
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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,206 | $172,932-71.5% | $119,258-58.7% | $86,821-43.3% |
| Participation rate | 51.7% | 89.4%-37.7pp | 82.7%-31.0pp | 72.3%-20.6pp |
| Annual return | 13.52% | 20.96%-7.4pp | 30.69%-17.2pp | 97.94%-84.4pp |
| Employer contribution / active EE | $2,656 | $5,487-51.6% | $4,384-39.4% | $2,406+10.4% |
| Participant deferral / active EE | $4,629 | $8,466-45.3% | $6,111-24.2% | $4,132+12.0% |
| Admin fee / account holder | $324 | $150+115.3% | $7,226-95.5% | $170+90.8% |