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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $30,331 |
Filed as: 9258 WEALTH MANAGEMENT, LLC Service code 26 · EIN 63-1229657 4420 COOPER ROAD · CINCINNATI, OH 45242 | Advisory (Participants) | $19,649 |
WAVERLY ADVISORS, LLC1 year Service code 26 · EIN 63-1229657 600 UNIVERSITY PARK · BIRMINGHAM, AL 35209 | Advisory (Participants) | $6,991 |
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.
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 | $80,374 | $89,225-9.9% | $133,698-39.9% | $74,478+7.9% |
| Participation rate | 92.1% | 69.4%+22.7pp | 76.4%+15.7pp | 67.2%+24.9pp |
| Annual return | 10.92% | 22.76%-11.8pp | 580.90%-570.0pp | 1370.56%-1359.6pp |
| Employer contribution / active EE | $1,608 | $2,816-42.9% | $4,218-61.9% | $2,626-38.8% |
| Participant deferral / active EE | $4,808 | $4,597+4.6% | $7,016-31.5% | $4,350+10.5% |
| Admin fee / account holder | $479 | $1,545-69.0% | $6,703-92.9% | $1,946-75.4% |