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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $32,977 |
LPL FINANCIAL3 years Service code 27 PO BOX 502533, 7113-9388 · SAN DIEGO, CA 921502533 | Advisory (Plan) | $26,237 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $68,604 | $50,956+34.6% | $96,572-29.0% | $86,821-21.0% |
| Participation rate | 35.7% | 65.2%-29.6pp | 69.8%-34.2pp | 72.3%-36.6pp |
| Annual return | 14.46% | 21.27%-6.8pp | 37.79%-23.3pp | 97.94%-83.5pp |
| Employer contribution / active EE | $377 | $1,111-66.1% | $2,357-84.0% | $2,406-84.4% |
| Participant deferral / active EE | $1,117 | $2,954-62.2% | $3,850-71.0% | $4,132-73.0% |
| Admin fee / account holder | $435 | $166+162.2% | $6,183-93.0% | $170+156.8% |