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| Provider | Service type | Compensation |
|---|---|---|
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Service code 15 · EIN 13-5674085 | Recordkeeping | $25,253 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $24,128 |
ADP BROKER-DEALER10+ 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.)
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 | $101,317 | $30,423+233.0% | $56,025+80.8% | $74,478+36.0% |
| Participation rate | 48.7% | 32.9%+15.8pp | 52.5%-3.8pp | 67.2%-18.5pp |
| Annual return | 14.28% | 24.97%-10.7pp | 1712.69%-1698.4pp | 1370.56%-1356.3pp |
| Employer contribution / active EE | $1,166 | $610+91.1% | $1,042+12.0% | $2,626-55.6% |
| Participant deferral / active EE | $2,818 | $1,176+139.6% | $1,955+44.2% | $4,350-35.2% |
| Admin fee / account holder | $323 | $2,363-86.3% | $2,828-88.6% | $1,946-83.4% |