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| Provider | Service type | Compensation |
|---|---|---|
Service code 10 · EIN 46-2774241 | Accounting | $50,482 |
Filed as: JOHN HANCOCK TRUST COMPANY LLC Service code 15 · EIN 80-0709115 | Recordkeeping | $45,292 |
Service code 15 · EIN 11-2515970 | Recordkeeping | $13,800 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $73,944 | $42,383+74.5% | $76,518-3.4% | $64,173+15.2% |
| Participation rate | 65.4% | 58.1%+7.2pp | 68.0%-2.6pp | 69.6%-4.2pp |
| Annual return | -57.44% | -16.54%-40.9pp | -0.27%-57.2pp | 7.63%-65.1pp |
| Employer contribution / active EE | $0 | $1,563-100.0% | $2,647-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $5,956 | $2,566+132.1% | $3,836+55.3% | $3,470+71.6% |
| Admin fee / account holder | $2,106 | $3,198-34.1% | $4,849-56.6% | $4,887-56.9% |