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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER Service code 52 | Indirect Investment Fees | $25,234 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,652 | $79,523-69.0% | $140,019-82.4% | $56,289-56.2% |
| Participation rate | 53.7% | 85.7%-32.0pp | 87.5%-33.8pp | 69.9%-16.1pp |
| Annual return | -5.51% | 2.39%-7.9pp | 651.17%-656.7pp | -9.96%+4.4pp |
| Employer contribution / active EE | $2,401 | $3,350-28.3% | $5,605-57.2% | $2,111+13.7% |
| Participant deferral / active EE | $4,826 | $5,129-5.9% | $6,927-30.3% | $3,350+44.1% |
| Admin fee / account holder | $82 | $614-86.6% | $10,705-99.2% | $521-84.2% |