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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $13,572 |
Service code 10 6100 ELTON AVENUE · LAS VEGAS, NV 891070123 | Accounting | $13,568 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $50,457 | $43,453+16.1% | $109,313-53.8% | $63,975-21.1% |
| Participation rate | 37.5% | 59.3%-21.7pp | 71.3%-33.7pp | 71.1%-33.6pp |
| Annual return | 5.78% | 9.85%-4.1pp | 22.07%-16.3pp | 48.65%-42.9pp |
| Employer contribution / active EE | $0 | $1,799-100.0% | $3,892-100.0% | $2,182-100.0% |
| Participant deferral / active EE | $1,009 | $2,093-51.8% | $3,166-68.1% | $3,356-69.9% |
| Admin fee / account holder | $58 | $79-26.7% | $5,666-99.0% | $70-17.8% |