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| Provider | Service type | Compensation |
|---|---|---|
DAVID KERCHNER10+ years Service code 28 · EIN 21-5868966 | Investment Management | $13,448 |
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Filed as: JOHN T. LAUER, II Service code 31 205 GRANITE RUN ROAD · LANCASTER, PA 17601 | Named fiduciary | $13,448 |
PENSERV PLAN SERVICES, INC.10+ years Filed as: PENSERV PLAN SERVICES Service code 15 · EIN 20-1916735 | Recordkeeping | $8,682 |
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.)
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 | $83,898 | $77,472+8.3% | $100,415-16.4% | $80,959+3.6% |
| Participation rate | 69.1% | 76.9%-7.8pp | 81.5%-12.4pp | 67.7%+1.5pp |
| Annual return | 14.59% | 37.26%-22.7pp | 49.47%-34.9pp | 35.67%-21.1pp |
| Employer contribution / active EE | $5 | $2,800-99.8% | $3,943-99.9% | $2,757-99.8% |
| Participant deferral / active EE | $4,372 | $6,818-35.9% | $8,091-46.0% | $4,300+1.7% |
| Admin fee / account holder | $386 | $5,885-93.4% | $7,906-95.1% | $6,925-94.4% |