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| Provider | Service type | Compensation |
|---|---|---|
THE BENEFIT PRACTICE2+ years Service code 11 1055 WASHINGTON BLVD · STAMFORD, CT 06901 | Actuarial | $1,750 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO. Service code 15 · EIN 13-3646501 | Recordkeeping | $230 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,106 | $31,370+31.0% | $74,577-44.9% | $63,975-35.7% |
| Participation rate | 3.9% | 42.6%-38.7pp | 68.1%-64.2pp | 71.1%-67.2pp |
| Annual return | 3.30% | -105.16%+108.5pp | 20.47%-17.2pp | 48.65%-45.4pp |
| Employer contribution / active EE | $130 | $822-84.2% | $2,525-94.8% | $2,182-94.0% |
| Participant deferral / active EE | $258 | $1,560-83.5% | $3,458-92.5% | $3,356-92.3% |
| Admin fee / account holder | $21 | $77-72.8% | $4,138-99.5% | $70-70.4% |