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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK RETIREMENT PLAN SERVIC Service code 15 · EIN 01-0233346 | Recordkeeping | $22,575 |
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY Service code 27 · EIN 26-4310632 | Advisory (Plan) | $15,054 |
SIKICH LLP4 years Filed as: SIKICH LLC Service code 10 · EIN 36-3168081 | Accounting | $10,513 |
Employer 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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,926 | $86,655-44.7% | $119,622-59.9% | $66,938-28.4% |
| Participation rate | 87.5% | 75.6%+11.9pp | 79.3%+8.2pp | 69.8%+17.7pp |
| Annual return | -13.35% | -8.00%-5.4pp | -14.98%+1.6pp | 1.58%-14.9pp |
| Employer contribution / active EE | $495 | $2,536-80.5% | $4,232-88.3% | $2,545-80.5% |
| Participant deferral / active EE | $4,645 | $4,358+6.6% | $5,601-17.1% | $4,238+9.6% |
| Admin fee / account holder | $315 | $755-58.3% | $10,328-97.0% | $594-47.0% |