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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 01-0233346 | Recordkeeping | $28,296 |
HANCOCK WHITNEY BANK1 year Service code 26 · EIN 64-0169065 | Advisory (Participants) | $15,131 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $56,893 | $79,209-28.2% | $102,434-44.5% | $74,459-23.6% |
| Participation rate | 64.7% | 74.8%-10.1pp | 76.5%-11.8pp | 67.2%-2.6pp |
| Annual return | 11.06% | 54.98%-43.9pp | 29.46%-18.4pp | 1369.70%-1358.6pp |
| Employer contribution / active EE | $1,474 | $2,362-37.6% | $3,023-51.2% | $2,626-43.9% |
| Participant deferral / active EE | $2,183 | $4,417-50.6% | $5,055-56.8% | $4,350-49.8% |
| Admin fee / account holder | $415 | $2,002-79.3% | $9,462-95.6% | $1,945-78.7% |