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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $34,333 |
Filed as: MAYFLOWER FINNCIAL ADVISORS, INC Service code 27 · EIN 48-4826355 | Advisory (Plan) | $25,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.
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 | $90,012 | $106,264-15.3% | $147,117-38.8% | $77,762+15.8% |
| Participation rate | 20.9% | 78.4%-57.5pp | 82.2%-61.2pp | 70.6%-49.6pp |
| Annual return | 12.83% | 56.94%-44.1pp | 420.54%-407.7pp | 31.27%-18.4pp |
| Employer contribution / active EE | $0 | $4,074-100.0% | $4,932-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $2,894 | $8,003-63.8% | $8,065-64.1% | $4,651-37.8% |
| Admin fee / account holder | $325 | $334-2.7% | $12,993-97.5% | $433-24.8% |