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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK INSURANCE COMPANY USA Service code 15 · EIN 01-0233346 | Recordkeeping | $1,035 |
LPL FINANCIAL7 years Filed as: LPL FINANCIAL LLC - RPCP Service code 26 · EIN 04-3046611 | Advisory (Participants) | $0 |
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 | $44,457 | $72,620-38.8% | $90,760-51.0% | $66,938-33.6% |
| Participation rate | 90.1% | 73.7%+16.4pp | 75.7%+14.4pp | 69.8%+20.3pp |
| Annual return | -19.55% | -12.28%-7.3pp | -12.16%-7.4pp | 1.58%-21.1pp |
| Employer contribution / active EE | $2,418 | $2,369+2.1% | $2,922-17.2% | $2,545-5.0% |
| Participant deferral / active EE | $5,916 | $3,979+48.7% | $4,565+29.6% | $4,238+39.6% |
| Admin fee / account holder | $305 | $707-56.9% | $8,444-96.4% | $594-48.6% |