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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK RETIREMENT PLAN SRVCS. Service code 15 · EIN 01-0233346 | Recordkeeping | $36,470 |
LPL FINANCIAL2 years Service code 27 PO BOX 502533, 7113-9388 · SAN DIEGO, CA 921502533 | Advisory (Plan) | $23,638 |
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.)
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 | $70,727 | $64,286+10.0% | $90,970-22.3% | $73,412-3.7% |
| Participation rate | 26.2% | 63.6%-37.4pp | 69.0%-42.9pp | 72.2%-46.0pp |
| Annual return | 12.94% | 21.46%-8.5pp | 134.60%-121.7pp | 59.30%-46.4pp |
| Employer contribution / active EE | $335 | $895-62.6% | $2,122-84.2% | $2,234-85.0% |
| Participant deferral / active EE | $817 | $2,453-66.7% | $3,373-75.8% | $3,806-78.5% |
| Admin fee / account holder | $455 | $287+58.6% | $5,961-92.4% | $158+188.4% |