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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 | $89,808-33.3% | $100,383-40.3% | $77,671-22.9% |
| Participation rate | 54.4% | 81.2%-26.8pp | 81.5%-27.1pp | 70.6%-16.2pp |
| Annual return | 14.98% | 20.62%-5.6pp | 49.26%-34.3pp | 31.21%-16.2pp |
| Employer contribution / active EE | $3,091 | $3,039+1.7% | $3,944-21.6% | $2,726+13.4% |
| Participant deferral / active EE | $1,771 | $8,284-78.6% | $8,086-78.1% | $4,648-61.9% |
| Admin fee / account holder | $316 | $174+81.5% | $7,900-96.0% | $430-26.5% |