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) | $49,451 |
JOHN HANCOCK LIFE INSURANCE COMPANY11+ years Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $15,663 |
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 | $77,009 | $89,241-13.7% | $134,172-42.6% | $79,634-3.3% |
| Participation rate | 57.6% | 47.1%+10.5pp | 72.5%-14.8pp | 62.5%-4.9pp |
| Annual return | 9.90% | 16.69%-6.8pp | 25.30%-15.4pp | 36.46%-26.6pp |
| Employer contribution / active EE | $1,187 | $1,634-27.4% | $3,420-65.3% | $2,529-53.1% |
| Participant deferral / active EE | $1,866 | $2,288-18.5% | $4,690-60.2% | $3,835-51.3% |
| Admin fee / account holder | $422 | $1,359-69.0% | $12,016-96.5% | $1,002-57.9% |