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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 27 · EIN 13-5674085 | Advisory (Plan) | $36,827 |
Service code 37 · EIN 04-2647786 | Loan Processing | $24,342 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $152,983 | $84,499+81.0% | $125,391+22.0% | $66,949+128.5% |
| Participation rate | 98.3% | 76.4%+21.9pp | 82.4%+15.9pp | 69.8%+28.5pp |
| Annual return | -17.00% | -8.49%-8.5pp | 572.41%-589.4pp | 1.57%-18.6pp |
| Employer contribution / active EE | $3,923 | $3,554+10.4% | $4,816-18.5% | $2,545+54.1% |
| Participant deferral / active EE | $13,493 | $6,785+98.9% | $7,448+81.2% | $4,239+218.3% |
| Admin fee / account holder | $364 | $685-46.9% | $10,009-96.4% | $594-38.7% |