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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MESIROW FINANCIAL Service code 26 · EIN 36-3429599 | Advisory (Participants) | $1,571 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $303 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,759 | $63,471-78.3% | $68,808-80.0% | $66,938-79.4% |
| Participation rate | 24.3% | 60.0%-35.7pp | 69.0%-44.7pp | 69.8%-45.5pp |
| Annual return | -21.45% | -8.29%-13.2pp | -6.37%-15.1pp | 1.58%-23.0pp |
| Employer contribution / active EE | $689 | $1,776-61.2% | $2,656-74.1% | $2,545-72.9% |
| Participant deferral / active EE | $1,470 | $2,946-50.1% | $3,942-62.7% | $4,238-65.3% |
| Admin fee / account holder | $146 | $578-74.8% | $4,936-97.0% | $594-75.5% |