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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $44,370 |
BDO USA, LLP1+ years Filed as: BDO Service code 10 · EIN 13-5381590 | Accounting | $10,975 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,721 | $38,833-59.5% | $78,775-80.0% | $77,958-79.8% |
| Participation rate | 70.3% | 60.9%+9.4pp | 69.2%+1.2pp | 71.6%-1.3pp |
| Annual return | 14.82% | 20.31%-5.5pp | 35.62%-20.8pp | 20.87%-6.1pp |
| Employer contribution / active EE | $0 | $840-100.0% | $1,986-100.0% | $2,310-100.0% |
| Participant deferral / active EE | $1,444 | $1,776-18.7% | $2,958-51.2% | $3,537-59.2% |
| Admin fee / account holder | $23 | $89-74.5% | $5,132-99.6% | $97-76.7% |