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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $25,932 |
Filed as: MERRILL LYNCH - FAS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $25,343 |
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).
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 | $41,417 | $55,636-25.6% | $81,991-49.5% | $73,493-43.6% |
| Participation rate | 60.5% | 62.3%-1.8pp | 69.3%-8.7pp | 70.7%-10.2pp |
| Annual return | 16.58% | 19.07%-2.5pp | 41.31%-24.7pp | 28.51%-11.9pp |
| Employer contribution / active EE | $1,950 | $1,625+20.1% | $2,498-21.9% | $2,270-14.1% |
| Participant deferral / active EE | $3,128 | $2,762+13.2% | $3,722-16.0% | $3,740-16.4% |
| Admin fee / account holder | $604 | $493+22.6% | $5,665-89.3% | $513+17.7% |