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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 27-0645757 590 W CENTRE AVE · PORTAGE, MI 49024 | Advisory (Participants) | $8,464 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $182 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,922 | $74,089-59.6% | $133,975-77.7% | $55,167-45.8% |
| Participation rate | 80.3% | 84.3%-4.0pp | 87.1%-6.7pp | 69.0%+11.3pp |
| Annual return | 7.54% | 12.11%-4.6pp | 29.29%-21.8pp | 169.23%-161.7pp |
| Employer contribution / active EE | $252 | $3,064-91.8% | $5,211-95.2% | $1,963-87.1% |
| Participant deferral / active EE | $3,361 | $4,678-28.1% | $6,282-46.5% | $3,054+10.1% |
| Admin fee / account holder | $6 | $458-98.6% | $9,324-99.9% | $504-98.7% |