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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $1,492 |
LOWES FS LLC4 years Service code 26 · EIN 36-4698385 | Advisory (Participants) | $0 |
12 funds of $250K or more; 25 lines in all, holding $8.9M of the plan's $9.1M. From the 2025 filing. Recordkeeper: John Hancock (Manulife).
Target-date series: John Hancock Lifetime Blend, collective trust, 63% of fund dollars
| Fund | Dollars | % of funds% |
|---|---|---|
| John Hancock Lifetime Blend John Hancock (Manulife) · Collective trust Target-date, 9 vintagesRecordkeeper's own fund | $5.6M | 63.1% |
| Vanguard Growth Index Fund Vanguard · Mutual fund Index | $541K | 6.1% |
| John Hancock Fundamental Large Cap Value John Hancock (Manulife) · Mutual fund Recordkeeper's own fund | $462K | 5.2% |
| Eupac Fund Capital Group · Mutual fund | $409K | 4.6% |
| John Hancock U.S. Growth Fund John Hancock (Manulife) · Mutual fund Recordkeeper's own fund | $280K | 3.1% |
| Value Pooled Separate Acc Manager not matched · Separate account | $229K | 2.6% |
| John Hancock Mid Cap Index Fund John Hancock (Manulife) · Mutual fund IndexRecordkeeper's own fund | $206K | 2.3% |
| John Hancock Bond Fund John Hancock (Manulife) · Mutual fund Recordkeeper's own fund | $184K | 2.1% |
| Vanguard Small-Cap Value Index Fund Vanguard · Mutual fund Index | $168K | 1.9% |
| Vanguard Small-Cap Growth Index Fund Vanguard · Mutual fund Index | $166K | 1.9% |
No lineup changes between the 2024 and 2025 filings.
Stable value and insurance contract lines, renames and class changes are not counted.
Changes of at least $250K and 0.1% of the plan between the 2024 and 2025 filings. Values are year-end holdings, not money moved.
Covers 71,097 large plans that list their funds in their annual filing. Updated Nov 3, 2026. Shares describe these plans, not the whole market.
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.)
The auditor signed off without reservation. This is the cleanest opinion.