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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH LIFE AGENCY Service code 26 · EIN 13-2808480 1400 MERRILL LYNCH DRIVE, BOA ME · PENNINGTON, NJ 08534 | Advisory (Participants) | $16,638 |
Filed as: GREAT-WEST LIFE & ANNUITY INS. CO Service code 15 · EIN 84-0467907 | Recordkeeping | $7,990 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $53,538 | $37,463+42.9% | $77,096-30.6% | $66,938-20.0% |
| Participation rate | 17.3% | 52.9%-35.6pp | 67.9%-50.6pp | 69.8%-52.5pp |
| Annual return | -23.60% | -3.25%-20.4pp | 42.35%-66.0pp | 1.58%-25.2pp |
| Employer contribution / active EE | $536 | $1,535-65.1% | $2,814-81.0% | $2,545-79.0% |
| Participant deferral / active EE | $1,133 | $2,621-56.8% | $4,429-74.4% | $4,238-73.3% |
| Admin fee / account holder | $565 | $568-0.5% | $5,428-89.6% | $594-4.8% |