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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $13,875 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $2,428 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,183 | $69,848-79.7% | $115,756-87.7% | $66,930-78.8% |
| Participation rate | 67.1% | 70.6%-3.5pp | 77.1%-10.0pp | 69.8%-2.7pp |
| Annual return | -19.01% | 969.66%-988.7pp | 143.14%-162.1pp | 1.57%-20.6pp |
| Employer contribution / active EE | $1,754 | $2,613-32.9% | $3,793-53.8% | $2,545-31.1% |
| Participant deferral / active EE | $4,333 | $4,274+1.4% | $6,254-30.7% | $4,238+2.2% |
| Admin fee / account holder | $215 | $337-36.2% | $8,124-97.4% | $593-63.7% |