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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $12,955 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,353 | $53,932+8.2% | $134,162-56.5% | $90,274-35.4% |
| Participation rate | 30.8% | 60.4%-29.6pp | 72.2%-41.4pp | 73.4%-42.6pp |
| Annual return | 20.52% | 23.16%-2.6pp | 36.35%-15.8pp | 53.97%-33.5pp |
| Employer contribution / active EE | $0 | $1,611-100.0% | $3,705-100.0% | $2,523-100.0% |
| Participant deferral / active EE | $847 | $2,432-65.2% | $3,500-75.8% | $4,231-80.0% |
| Admin fee / account holder | $23 | $104-77.9% | $6,685-99.7% | $114-79.9% |