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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FIDUCIARY INVESTMENT ADVISORS, LLC Service code 27 · EIN 20-4751585 | Advisory (Plan) | $33,735 |
Filed as: JOHN HANCOCK RETIREMENT PLAN SERVIC Service code 15 · EIN 01-0233346 | Recordkeeping | $29,921 |
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.)
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 | $78,673 | $78,483+0.2% | $106,201-25.9% | $74,546+5.5% |
| Participation rate | 43.4% | 72.8%-29.4pp | 75.3%-31.9pp | 67.2%-23.8pp |
| Annual return | 10.96% | 15.94%-5.0pp | 116.26%-105.3pp | 1366.03%-1355.1pp |
| Employer contribution / active EE | $359 | $2,522-85.8% | $3,170-88.7% | $2,624-86.3% |
| Participant deferral / active EE | $3,608 | $4,320-16.5% | $5,012-28.0% | $4,347-17.0% |
| Admin fee / account holder | $505 | $2,236-77.4% | $11,039-95.4% | $1,944-74.0% |