Filed September 22, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VALLEY FORGE INVESTMENT COMPANY Service code 26 1000 WESTLAKES DR. STE. 200 · BERWYN, PA 19312 | Advisory (Participants) | $45,442 |
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $13,986 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $74,443 | $73,149+1.8% | $120,580-38.3% | $77,762-4.3% |
| Participation rate | 58.4% | 55.2%+3.3pp | 72.0%-13.5pp | 70.6%-12.2pp |
| Annual return | 8.77% | 18.24%-9.5pp | 107.48%-98.7pp | 31.27%-22.5pp |
| Employer contribution / active EE | $1,289 | $1,793-28.1% | $3,469-62.8% | $2,728-52.8% |
| Participant deferral / active EE | $2,072 | $3,006-31.1% | $4,995-58.5% | $4,651-55.4% |
| Admin fee / account holder | $404 | $660-38.8% | $9,418-95.7% | $433-6.7% |