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| Provider | Service type | Compensation |
|---|---|---|
SANFORD ADVISORY SERVICES2 years Service code 26 · EIN 27-0645757 590 W CENTRE AVE · PORTAGE, MI 49024 | Advisory (Participants) | $10,308 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $607 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $41,592 | $89,739-53.7% | $149,716-72.2% | $62,293-33.2% |
| Participation rate | 76.6% | 85.1%-8.5pp | 87.1%-10.5pp | 69.5%+7.1pp |
| Annual return | 15.85% | 21.01%-5.2pp | 1501.67%-1485.8pp | 28.90%-13.0pp |
| Employer contribution / active EE | $222 | $3,233-93.1% | $5,444-95.9% | $2,042-89.1% |
| Participant deferral / active EE | $4,171 | $4,797-13.1% | $6,568-36.5% | $3,169+31.6% |
| Admin fee / account holder | $19 | $551-96.6% | $11,282-99.8% | $479-96.0% |