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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $16,053 |
Filed as: RAYMOND JAMES Service code 37 · EIN 59-1531281 | Loan Processing | $10,124 |
Service code 10 · EIN 91-1035498 | Accounting | $9,277 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $23,741 | $62,166-61.8% | $81,353-70.8% | $74,459-68.1% |
| Participation rate | 55.0% | 64.1%-9.1pp | 69.5%-14.6pp | 67.2%-12.2pp |
| Annual return | 21.77% | 16.50%+5.3pp | 24.82%-3.0pp | 1369.70%-1347.9pp |
| Employer contribution / active EE | $707 | $1,881-62.4% | $2,464-71.3% | $2,626-73.1% |
| Participant deferral / active EE | $2,340 | $3,223-27.4% | $3,885-39.8% | $4,350-46.2% |
| Admin fee / account holder | $233 | $1,925-87.9% | $5,766-96.0% | $1,945-88.0% |