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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RAYMOND JAMES FINANCIAL Service code 26 · EIN 59-2937883 | Advisory (Participants) | $7,928 |
Filed as: JOHN HANCOCK LIFE INSURANCE Service code 15 · EIN 01-0233346 | Recordkeeping | $275 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $26,102 | $66,528-60.8% | $86,625-69.9% | $86,821-69.9% |
| Participation rate | 36.5% | 72.4%-35.9pp | 71.6%-35.2pp | 72.3%-35.8pp |
| Annual return | 14.62% | 19.56%-4.9pp | 63.52%-48.9pp | 97.94%-83.3pp |
| Employer contribution / active EE | $584 | $2,007-70.9% | $2,496-76.6% | $2,406-75.7% |
| Participant deferral / active EE | $2,208 | $3,240-31.9% | $3,700-40.3% | $4,132-46.6% |
| Admin fee / account holder | $184 | $148+24.1% | $5,830-96.8% | $170+8.4% |