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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 01-0233346 | Recordkeeping | $0 |
LPL FINANCIAL3 years Filed as: LPL FINANCIAL LLC Service code 26 · EIN 04-3046611 | Advisory (Participants) | $0 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $13,011 | $81,301-84.0% | $76,030-82.9% | $200,096-93.5% |
| Participation rate | 86.4% | 70.1%+16.3pp | 69.1%+17.3pp | 72.0%+14.4pp |
| Annual return | 19.26% | 16.31%+2.9pp | 361.54%-342.3pp | 34.26%-15.0pp |
| Employer contribution / active EE | $424 | $3,352-87.4% | $2,688-84.2% | $3,038-86.0% |
| Participant deferral / active EE | $2,131 | $4,721-54.9% | $4,257-49.9% | $5,090-58.1% |
| Admin fee / account holder | $73 | $145-49.9% | $6,421-98.9% | $269-73.0% |