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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $36,669 |
Service code 27 · EIN 20-8764829 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $88,790 | $79,184+12.1% | $102,438-13.3% | $74,546+19.1% |
| Participation rate | 57.5% | 74.8%-17.3pp | 76.5%-19.0pp | 67.2%-9.7pp |
| Annual return | 33.65% | 54.95%-21.3pp | 29.37%+4.3pp | 1366.03%-1332.4pp |
| Employer contribution / active EE | $414 | $2,362-82.5% | $3,024-86.3% | $2,624-84.2% |
| Participant deferral / active EE | $2,538 | $4,414-42.5% | $5,054-49.8% | $4,347-41.6% |
| Admin fee / account holder | $390 | $2,001-80.5% | $9,448-95.9% | $1,944-79.9% |