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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $26,745 |
Filed as: JOHN HANCOCK NEW YORK Service code 15 · EIN 13-3646501 | Recordkeeping | $25,214 |
Filed as: ALLIANT INSURANCE SERVICES, INC. Service code 11 · EIN 33-0785439 | Actuarial | $7,383 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $64,130 | $89,225-28.1% | $133,698-52.0% | $74,478-13.9% |
| Participation rate | 58.5% | 69.4%-11.0pp | 76.4%-18.0pp | 67.2%-8.8pp |
| Annual return | 12.61% | 22.76%-10.1pp | 580.90%-568.3pp | 1370.56%-1358.0pp |
| Employer contribution / active EE | $1,538 | $2,816-45.4% | $4,218-63.5% | $2,626-41.4% |
| Participant deferral / active EE | $5,020 | $4,597+9.2% | $7,016-28.5% | $4,350+15.4% |
| Admin fee / account holder | $470 | $1,545-69.6% | $6,703-93.0% | $1,946-75.8% |