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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $595 |
Filed as: MERRILL LYNCH -EPS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $0 |
Filed as: MERRILL LYNCH -FAS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $0 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $14,383 | $29,516-51.3% | $77,513-81.4% | $90,274-84.1% |
| Participation rate | 1.4% | 33.7%-32.3pp | 54.2%-52.8pp | 73.4%-72.0pp |
| Annual return | 6.16% | 231.18%-225.0pp | 54.81%-48.6pp | 53.97%-47.8pp |
| Employer contribution / active EE | $0 | $381-100.0% | $987-100.0% | $2,523-100.0% |
| Participant deferral / active EE | $30 | $944-96.9% | $1,861-98.4% | $4,231-99.3% |
| Admin fee / account holder | $377 | $106+256.2% | $2,859-86.8% | $114+230.6% |