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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $43,953 |
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $40,036 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $63,312 | $90,064-29.7% | $100,392-36.9% | $77,736-18.6% |
| Participation rate | 57.7% | 81.3%-23.6pp | 81.5%-23.8pp | 70.6%-12.9pp |
| Annual return | 14.66% | 20.61%-6.0pp | 49.45%-34.8pp | 31.26%-16.6pp |
| Employer contribution / active EE | $1,811 | $3,043-40.5% | $3,941-54.1% | $2,728-33.6% |
| Participant deferral / active EE | $3,694 | $8,282-55.4% | $8,090-54.3% | $4,651-20.6% |
| Admin fee / account holder | $318 | $172+84.8% | $7,904-96.0% | $433-26.7% |