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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK RETIREMENT PLAN SRVS Service code 15 · EIN 01-0233346 | Recordkeeping | $77,835 |
MMA SECURITIES LLC7+ years Filed as: MARSH & MCLENNAN AGENCY Service code 27 · EIN 06-1685865 | Advisory (Plan) | $25,000 |
STOWE & DEGON, LLC7+ years Filed as: STOWE & DEGON Service code 10 · EIN 04-3379904 | Accounting | $12,682 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $150,423 | $124,346+21.0% | $111,308+35.1% | $167,536-10.2% |
| Participation rate | 66.7% | 79.6%-13.0pp | 77.3%-10.7pp | 82.1%-15.4pp |
| Annual return | 10.08% | 37.45%-27.4pp | 54.67%-44.6pp | 478.82%-468.7pp |
| Employer contribution / active EE | $117 | $3,437-96.6% | $2,732-95.7% | $4,839-97.6% |
| Participant deferral / active EE | $11,451 | $5,182+121.0% | $4,487+155.2% | $6,342+80.6% |
| Admin fee / account holder | $504 | $10,621-95.3% | $7,965-93.7% | $12,315-95.9% |