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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH PIERCE FENNER AND SMI Service code 18 · EIN 13-5674085 | Custodial (other than securities) | $77,967 |
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.
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $534,470 | $106,749+400.7% | $145,433+267.5% | $82,448+548.3% |
| Participation rate | 98.4% | 75.6%+22.8pp | 82.1%+16.3pp | 68.1%+30.3pp |
| Annual return | 11.30% | 27.59%-16.3pp | 66.58%-55.3pp | 41.64%-30.3pp |
| Employer contribution / active EE | $8,088 | $3,444+134.8% | $4,554+77.6% | $2,551+217.1% |
| Participant deferral / active EE | $15,623 | $6,519+139.7% | $7,897+97.8% | $4,139+277.4% |
| Admin fee / account holder | $737 | $8,390-91.2% | $13,129-94.4% | $7,234-89.8% |