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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK RETIREMENT PLAN SRVC Service code 37 · EIN 15-3008106 601 CONGRESS STREET · BOSTON, MA 02210 | Loan Processing | $165,115 |
Service code 10 · EIN 47-1471220 | Accounting | $25,295 |
Filed as: CAMBRIDGE WEALTH ADVISORS, LLC Service code 27 · EIN 27-0397626 | Advisory (Plan) | $16,774 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,604 | $70,106-69.2% | $80,977-73.3% | $63,975-66.2% |
| Participation rate | 43.5% | 79.4%-35.8pp | 75.8%-32.3pp | 71.1%-27.6pp |
| Annual return | 79.10% | 13.93%+65.2pp | 17.11%+62.0pp | 48.65%+30.4pp |
| Employer contribution / active EE | $310 | $2,042-84.8% | $3,715-91.6% | $2,182-85.8% |
| Participant deferral / active EE | $1,885 | $5,245-64.1% | $5,696-66.9% | $3,356-43.8% |
| Admin fee / account holder | $161 | $57+181.9% | $5,517-97.1% | $70+128.2% |