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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS. Service code 15 · EIN 01-0233346 | Recordkeeping | $1,680 |
MONARCH PLAN ADVISORS2 years Service code 26 · EIN 46-3919960 40 WEST EASY STREET SUITE 3 · SIMI VALLEY, CA 93065 | Advisory (Participants) | $0 |
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 | $46,270 | $50,956-9.2% | $96,570-52.1% | $86,821-46.7% |
| Participation rate | 42.5% | 65.2%-22.8pp | 69.8%-27.3pp | 72.3%-29.8pp |
| Annual return | 11.39% | 21.27%-9.9pp | 37.79%-26.4pp | 97.94%-86.5pp |
| Employer contribution / active EE | $783 | $1,111-29.5% | $2,357-66.8% | $2,406-67.5% |
| Participant deferral / active EE | $1,375 | $2,954-53.5% | $3,849-64.3% | $4,132-66.7% |
| Admin fee / account holder | $394 | $166+137.2% | $6,182-93.6% | $170+132.2% |