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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 68-0286056 3150 CROW CANYON PLACE, SUITE 105 · SAN RAMON, CA 94583 | Advisory (Participants) | $25,000 |
Service code 26 · EIN 81-1315717 2528 ALAMO COUNTRY CIRCLE · ALAMO, CA 94507 | Advisory (Participants) | $25,000 |
Filed as: JOHN HANCOCK LIFE INS. COMPANY Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $6,426 |
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 | $50,704 | $79,209-36.0% | $102,434-50.5% | $74,459-31.9% |
| Participation rate | 88.9% | 74.8%+14.1pp | 76.5%+12.4pp | 67.2%+21.7pp |
| Annual return | 17.33% | 54.98%-37.7pp | 29.46%-12.1pp | 1369.70%-1352.4pp |
| Employer contribution / active EE | $7,392 | $2,362+212.9% | $3,023+144.5% | $2,626+181.5% |
| Participant deferral / active EE | $23,589 | $4,417+434.0% | $5,055+366.7% | $4,350+442.3% |
| Admin fee / account holder | $321 | $2,002-84.0% | $9,462-96.6% | $1,945-83.5% |