See peer percentile detail. $4.99 for your first month.
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS CO Service code 15 · EIN 01-0233346 | Recordkeeping | $1,049 |
SETAWAY LLC3 years Service code 13 4 BEDFORD FARMS RD · BEDFORD, NH 03110 | Contract Administrator | $825 |
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SERVI Service code 64 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618 | Recordkeeping Fees | $362 |
Filed as: CREATIVE PENSION CONSULTANTS Service code 99 433 NEW KARNER ROAD · ALBANY, NY 122053809 | Other Fees | $285 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $61,205 | $64,119-4.5% | $112,228-45.5% | $66,914-8.5% |
| Participation rate | 53.2% | 68.5%-15.3pp | 75.1%-21.9pp | 69.8%-16.6pp |
| Annual return | -20.55% | -13.81%-6.7pp | 27.45%-48.0pp | 1.58%-22.1pp |
| Employer contribution / active EE | $1,467 | $3,005-51.2% | $3,635-59.6% | $2,544-42.3% |
| Participant deferral / active EE | $3,103 | $3,693-16.0% | $4,728-34.4% | $4,237-26.8% |
| Admin fee / account holder | $356 | $625-43.1% | $6,410-94.4% | $593-40.0% |