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| Provider | Service type | Compensation |
|---|---|---|
MERRILL LYNCH PIERCE FENNER & SMITH11+ years Service code 15 · EIN 13-5674085 | Recordkeeping | $26,838 |
ADP BROKER-DEALER6 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $4,810 |
ADP BROKER-DEALER11+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $109,363 | $29,051+276.4% | $52,425+108.6% | $67,986+60.9% |
| Participation rate | 44.4% | 30.4%+14.0pp | 55.6%-11.2pp | 57.2%-12.8pp |
| Annual return | 13.66% | 24.00%-10.3pp | 302.12%-288.5pp | 31.67%-18.0pp |
| Employer contribution / active EE | $997 | $412+142.0% | $914+9.0% | $2,019-50.6% |
| Participant deferral / active EE | $2,389 | $873+173.6% | $1,790+33.4% | $3,358-28.9% |
| Admin fee / account holder | $354 | $2,113-83.3% | $2,495-85.8% | $3,203-89.0% |