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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $31,196 |
Filed as: SHEPHERD FINANCIAL INVESTMENT ADV Service code 26 · EIN 82-0759826 | Advisory (Participants) | $25,395 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,462 | $74,188-21.2% | $115,756-49.5% | $64,819-9.8% |
| Participation rate | 57.0% | 76.2%-19.2pp | 77.1%-20.0pp | 71.5%-14.4pp |
| Annual return | -17.10% | -11.81%-5.3pp | 143.14%-160.2pp | 32.84%-49.9pp |
| Employer contribution / active EE | $983 | $3,365-70.8% | $3,793-74.1% | $2,507-60.8% |
| Participant deferral / active EE | $2,140 | $5,294-59.6% | $6,254-65.8% | $4,311-50.4% |
| Admin fee / account holder | $329 | $148+121.8% | $8,124-96.0% | $188+75.2% |