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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 33 · EIN 13-5674085 4 WORLD FINANCIAL CENTER · NEW YORK, NY 10281 | Securities brokerage commissions and ... | $86,109 |
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).
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 | $118,192 | $62,393+89.4% | $120,580-2.0% | $74,478+58.7% |
| Participation rate | 89.7% | 56.8%+33.0pp | 72.0%+17.8pp | 67.2%+22.5pp |
| Annual return | 11.72% | 18.61%-6.9pp | 107.48%-95.8pp | 1370.56%-1358.8pp |
| Employer contribution / active EE | $3,262 | $1,845+76.8% | $3,469-6.0% | $2,626+24.2% |
| Participant deferral / active EE | $5,809 | $2,886+101.3% | $4,995+16.3% | $4,350+33.5% |
| Admin fee / account holder | $636 | $2,396-73.5% | $9,418-93.3% | $1,946-67.3% |