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| Provider | Service type | Compensation |
|---|---|---|
RMR WEALTH BUILDERS INC2 years Filed as: RMR WEALTH BUILDERS, INC. Service code 26 · EIN 11-2812983 | Advisory (Participants) | $16,887 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $1,794 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $140,701 | $109,881+28.0% | $150,045-6.2% | $84,808+65.9% |
| Participation rate | 84.3% | 76.1%+8.3pp | 82.3%+2.0pp | 68.3%+16.0pp |
| Annual return | 13.36% | 28.25%-14.9pp | 62.55%-49.2pp | 40.90%-27.5pp |
| Employer contribution / active EE | $5,460 | $3,561+53.3% | $4,693+16.3% | $2,631+107.5% |
| Participant deferral / active EE | $11,341 | $6,636+70.9% | $7,997+41.8% | $4,212+169.3% |
| Admin fee / account holder | $310 | $8,568-96.4% | $13,435-97.7% | $7,344-95.8% |