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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $51,567 |
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $388 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $84,510 | $78,529+7.6% | $105,591-20.0% | $74,400+13.6% |
| Participation rate | 61.4% | 72.8%-11.4pp | 75.3%-13.9pp | 67.2%-5.8pp |
| Annual return | 12.73% | 15.94%-3.2pp | 116.43%-103.7pp | 1367.51%-1354.8pp |
| Employer contribution / active EE | $2,062 | $2,522-18.2% | $3,166-34.9% | $2,624-21.4% |
| Participant deferral / active EE | $4,145 | $4,321-4.1% | $5,008-17.2% | $4,348-4.7% |
| Admin fee / account holder | $446 | $2,216-79.9% | $11,024-96.0% | $1,944-77.1% |