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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $26,478 |
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $8,347 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $12,150 | $73,823-83.5% | $379,746-96.8% | $73,493-83.5% |
| Participation rate | 67.6% | 73.1%-5.6pp | 78.4%-10.9pp | 70.7%-3.1pp |
| Annual return | 32.88% | 29.06%+3.8pp | 34.90%-2.0pp | 28.51%+4.4pp |
| Employer contribution / active EE | $0 | $2,472-100.0% | $3,540-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,584 | $4,038-36.0% | $6,024-57.1% | $3,740-30.9% |
| Admin fee / account holder | $170 | $607-72.0% | $7,927-97.9% | $513-66.9% |