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| Provider | Service type | Compensation |
|---|---|---|
EMPLOYEE BENEFITS SERVICES7+ years Service code 37 · EIN 52-2061078 424 GRAVES MILL ROAD, SUITE 300 · LYNCHBURG, VA 24502 | Loan Processing | $13,317 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO USA Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $8,922 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $22,277 | $45,000-50.5% | $143,788-84.5% | $77,906-71.4% |
| Participation rate | 31.2% | 66.8%-35.7pp | 80.3%-49.2pp | 73.7%-42.5pp |
| Annual return | -16.25% | 29.03%-45.3pp | -0.03%-16.2pp | 12.16%-28.4pp |
| Employer contribution / active EE | $176 | $1,870-90.6% | $4,952-96.4% | $2,846-93.8% |
| Participant deferral / active EE | $882 | $3,157-72.1% | $5,638-84.4% | $4,805-81.7% |
| Admin fee / account holder | $205 | $98+108.7% | $14,675-98.6% | $133+55.0% |