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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $88,226 |
Filed as: RESOURCES INVESTMENT ADVISORS, INC. Service code 26 · EIN 43-1451524 | Advisory (Participants) | $54,513 |
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 | $59,895 | $90,064-33.5% | $100,415-40.4% | $77,762-23.0% |
| Participation rate | 54.4% | 81.3%-26.9pp | 81.5%-27.1pp | 70.6%-16.2pp |
| Annual return | 14.98% | 20.61%-5.6pp | 49.47%-34.5pp | 31.27%-16.3pp |
| Employer contribution / active EE | $3,091 | $3,043+1.6% | $3,943-21.6% | $2,728+13.3% |
| Participant deferral / active EE | $1,771 | $8,282-78.6% | $8,091-78.1% | $4,651-61.9% |
| Admin fee / account holder | $316 | $172+84.0% | $7,906-96.0% | $433-26.9% |