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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 27 · EIN 13-5674085 1400 MERRILL LYNCH DR · PENNINGTON, NJ 08534 | Advisory (Plan) | $57,370 |
Filed as: EMPOWER ANNUITY INS. CO OF AMERICA Service code 64 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $35,202 |
TRUOG-RYDING COMPANY, INC.5 years Filed as: TRUOG-RYDING COMPANY INC Service code 13 · EIN 95-3497679 2659 TOWNSGATE RD., #101 · WESTLAKE VILLAGE, CA 91361 | Contract Administrator | $5,075 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $69,693 | $79,169-12.0% | $100,415-30.6% | $74,478-6.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 81.5%+18.5pp | 67.2%+32.8pp |
| Annual return | 15.23% | 20.51%-5.3pp | 49.47%-34.2pp | 1370.56%-1355.3pp |
| Employer contribution / active EE | $5,273 | $3,017+74.8% | $3,943+33.7% | $2,626+100.8% |
| Participant deferral / active EE | $11,855 | $7,751+52.9% | $8,091+46.5% | $4,350+172.5% |
| Admin fee / account holder | $361 | $1,337-73.0% | $7,906-95.4% | $1,946-81.4% |