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| Provider | Service type | Compensation |
|---|---|---|
ALTA WEALTH ADVISORS1 year Service code 26 · EIN 82-4506744 400 TRADE CENTER DR. #4810 · WOBURN, MA 01801 | Advisory (Participants) | $16,292 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO Service code 15 · EIN 01-0233346 | Recordkeeping | $988 |
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 | $42,113 | $102,385-58.9% | $147,080-71.4% | $80,935-48.0% |
| Participation rate | 65.3% | 75.9%-10.5pp | 82.2%-16.8pp | 67.7%-2.3pp |
| Annual return | 12.45% | 135.09%-122.6pp | 420.17%-407.7pp | 35.66%-23.2pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,933-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,040 | $6,651-39.3% | $8,066-49.9% | $4,299-6.0% |
| Admin fee / account holder | $326 | $7,951-95.9% | $12,989-97.5% | $6,924-95.3% |