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| Provider | Service type | Compensation |
|---|---|---|
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $102,987 |
Service code 50 FILE 1404 · PASADENA, CA 911991404 | Direct Payment | $20,010 |
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $432,027 | $106,264+306.6% | $147,117+193.7% | $77,762+455.6% |
| Participation rate | 80.1% | 78.4%+1.7pp | 82.2%-2.1pp | 70.6%+9.5pp |
| Annual return | 16.53% | 56.94%-40.4pp | 420.54%-404.0pp | 31.27%-14.7pp |
| Employer contribution / active EE | $17,894 | $4,074+339.3% | $4,932+262.8% | $2,728+555.9% |
| Participant deferral / active EE | $10,782 | $8,003+34.7% | $8,065+33.7% | $4,651+131.8% |
| Admin fee / account holder | $124 | $334-63.0% | $12,993-99.0% | $433-71.4% |