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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $19,898 |
ROCKLAND TRUST2 years Service code 26 · EIN 04-1782600 | Advisory (Participants) | $13,377 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $1,784 |
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.)
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 | $37,649 | $79,209-52.5% | $102,434-63.2% | $74,459-49.4% |
| Participation rate | 62.9% | 74.8%-11.9pp | 76.5%-13.6pp | 67.2%-4.4pp |
| Annual return | 12.65% | 54.98%-42.3pp | 29.46%-16.8pp | 1369.70%-1357.0pp |
| Employer contribution / active EE | $425 | $2,362-82.0% | $3,023-86.0% | $2,626-83.8% |
| Participant deferral / active EE | $3,030 | $4,417-31.4% | $5,055-40.1% | $4,350-30.3% |
| Admin fee / account holder | $310 | $2,002-84.5% | $9,462-96.7% | $1,945-84.0% |