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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC6 years Service code 15 · EIN 11-3665754 | Recordkeeping | $41,786 |
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $21,659 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $13,441 | $47,180-71.5% | $149,723-91.0% | $74,473-82.0% |
| Participation rate | 59.1% | 63.4%-4.3pp | 78.8%-19.7pp | 70.7%-11.7pp |
| Annual return | 25.46% | 22.75%+2.7pp | 134.50%-109.0pp | 34.36%-8.9pp |
| Employer contribution / active EE | $0 | $1,907-100.0% | $4,821-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $1,634 | $2,730-40.1% | $5,682-71.2% | $4,530-63.9% |
| Admin fee / account holder | $147 | $343-57.2% | $13,215-98.9% | $347-57.7% |