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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER Service code 27 · EIN 13-5674085 4 WORLD FINANCIAL CENTER · NEW YORK, NY 10281 | Advisory (Plan) | $8,532 |
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $25,276 | $58,895-57.1% | $178,503-85.8% | $73,497-65.6% |
| Participation rate | 79.1% | 66.2%+12.9pp | 81.9%-2.8pp | 70.7%+8.4pp |
| Annual return | 20.23% | 24.86%-4.6pp | 151.12%-130.9pp | 28.51%-8.3pp |
| Employer contribution / active EE | $1,254 | $2,236-43.9% | $5,011-75.0% | $2,270-44.8% |
| Participant deferral / active EE | $3,011 | $2,567+17.3% | $5,202-42.1% | $3,740-19.5% |
| Admin fee / account holder | $52 | $400-87.0% | $13,987-99.6% | $513-89.9% |