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| Provider | Service type | Compensation |
|---|---|---|
FISHER INVESTMENTS2 years Service code 21 · EIN 20-2480800 | Bank Trustee | $30,331 |
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $14,827 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $39,134 | $93,055-57.9% | $153,643-74.5% | $80,935-51.6% |
| Participation rate | 46.1% | 69.0%-22.9pp | 77.1%-31.0pp | 67.7%-21.6pp |
| Annual return | 15.36% | 19.97%-4.6pp | 15.71%-0.4pp | 35.66%-20.3pp |
| Employer contribution / active EE | $1,892 | $3,504-46.0% | $5,039-62.5% | $2,757-31.4% |
| Participant deferral / active EE | $3,465 | $5,172-33.0% | $6,754-48.7% | $4,299-19.4% |
| Admin fee / account holder | $558 | $8,881-93.7% | $12,739-95.6% | $6,924-91.9% |