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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 27 · EIN 13-5674085 | Advisory (Plan) | $45,314 |
Service code 37 · EIN 04-2647786 | Loan Processing | $20,245 |
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 | $158,380 | $91,474+73.1% | $135,982+16.5% | $71,529+121.4% |
| Participation rate | 97.4% | 75.7%+21.7pp | 81.9%+15.5pp | 67.9%+29.5pp |
| Annual return | 25.25% | 29.89%-4.6pp | 68.32%-43.1pp | 28.97%-3.7pp |
| Employer contribution / active EE | $3,216 | $3,705-13.2% | $4,859-33.8% | $2,590+24.2% |
| Participant deferral / active EE | $11,348 | $7,095+59.9% | $7,760+46.2% | $4,291+164.4% |
| Admin fee / account holder | $315 | $1,267-75.1% | $10,767-97.1% | $1,588-80.2% |