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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $39,101 |
ASCENSUS LLC7+ years Service code 15 · EIN 11-3665754 | Recordkeeping | $2,640 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
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 | $85,232 | $52,450+62.5% | $129,384-34.1% | $74,459+14.5% |
| Participation rate | 64.2% | 53.8%+10.4pp | 69.6%-5.4pp | 67.2%-3.0pp |
| Annual return | 14.09% | 15.65%-1.6pp | 9461.77%-9447.7pp | 1369.70%-1355.6pp |
| Employer contribution / active EE | $344 | $1,532-77.5% | $4,153-91.7% | $2,626-86.9% |
| Participant deferral / active EE | $3,608 | $2,797+29.0% | $4,166-13.4% | $4,350-17.0% |
| Admin fee / account holder | $302 | $2,636-88.5% | $7,686-96.1% | $1,945-84.4% |