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| Provider | Service type | Compensation |
|---|---|---|
MERRIL LYNCH1 year Filed as: MERILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $51,433 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $6,195 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $66,431 | $88,982-25.3% | $102,438-35.2% | $77,671-14.5% |
| Participation rate | 73.4% | 80.9%-7.5pp | 76.5%-3.1pp | 70.6%+2.8pp |
| Annual return | 11.25% | 25.01%-13.8pp | 29.37%-18.1pp | 31.21%-20.0pp |
| Employer contribution / active EE | $1,747 | $2,698-35.2% | $3,024-42.2% | $2,726-35.9% |
| Participant deferral / active EE | $3,754 | $5,144-27.0% | $5,054-25.7% | $4,648-19.2% |
| Admin fee / account holder | $390 | $236+65.7% | $9,448-95.9% | $430-9.3% |