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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $8,344 |
Filed as: JOHN HANCOCK LIFE INSURANCE COMPNAY Service code 15 · EIN 01-0233346 | Recordkeeping | $208 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $51,591 | $29,369+75.7% | $77,513-33.4% | $73,412-29.7% |
| Participation rate | 12.0% | 37.9%-26.0pp | 54.2%-42.2pp | 72.2%-60.2pp |
| Annual return | 16.51% | 358.15%-341.6pp | 54.81%-38.3pp | 59.30%-42.8pp |
| Employer contribution / active EE | $286 | $406-29.6% | $987-71.0% | $2,234-87.2% |
| Participant deferral / active EE | $635 | $941-32.5% | $1,861-65.9% | $3,806-83.3% |
| Admin fee / account holder | $590 | $123+381.1% | $2,859-79.3% | $158+273.9% |