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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH - EPS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $21,101 |
Filed as: MERRILL LYNCH - FAS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $16,881 |
Filed as: JOHN HANCOCK LIFE INSURANCE Service code 15 · EIN 01-0233346 | Recordkeeping | $0 |
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).
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 | $129,422 | $88,203+46.7% | $165,100-21.6% | $74,478+73.8% |
| Participation rate | 62.4% | 73.1%-10.7pp | 78.6%-16.2pp | 67.2%-4.8pp |
| Annual return | 12.25% | 17.13%-4.9pp | 70.21%-58.0pp | 1370.56%-1358.3pp |
| Employer contribution / active EE | $1,154 | $2,601-55.6% | $4,348-73.5% | $2,626-56.1% |
| Participant deferral / active EE | $4,323 | $4,505-4.0% | $6,035-28.4% | $4,350-0.6% |
| Admin fee / account holder | $431 | $2,235-80.7% | $12,696-96.6% | $1,946-77.8% |