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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO Service code 15 · EIN 01-0233346 | Recordkeeping | $20,842 |
WELLS FARGO BANK, N.A.3+ years Filed as: WELLS FARGO ADVISORS LLC Service code 26 · EIN 34-1542819 | Advisory (Participants) | $13,753 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $73,543 | $70,879+3.8% | $189,575-61.2% | $79,391-7.4% |
| Participation rate | 58.3% | 68.0%-9.6pp | 78.4%-20.1pp | 70.7%-12.4pp |
| Annual return | 11.75% | 20.70%-8.9pp | 64.19%-52.4pp | 116.88%-105.1pp |
| Employer contribution / active EE | $3,416 | $1,806+89.1% | $4,412-22.6% | $2,428+40.7% |
| Participant deferral / active EE | $4,315 | $4,081+5.7% | $6,174-30.1% | $4,046+6.7% |
| Admin fee / account holder | $425 | $647-34.4% | $9,806-95.7% | $627-32.2% |