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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $152,366 |
OSAIC WEALTH INC1 year Filed as: OSAIC ADVISORY SERVICES, LLC Service code 26 · EIN 46-5391363 900 S. PINE ISLAND RD., SUITE 650 · PLEASANTON, FL 33324 | Advisory (Participants) | $74,148 |
BERKOWITZ POLLACK BRANT1 year Service code 10 · EIN 59-2742314 515 LAS OLAS BOULEVARD · FORT LAUDERDALE, FL 333012281 | Accounting | $26,689 |
DEFINITI LLC4 years Filed as: DEFINITI, LLC Service code 15 · EIN 85-0833363 3 HOLLAND STREET · ERIE, PA 16507 | Recordkeeping | $14,517 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $323,159 | $101,499+218.4% | $147,005+119.8% | $74,546+333.5% |
| Participation rate | 98.1% | 75.5%+22.6pp | 82.2%+16.0pp | 67.2%+30.9pp |
| Annual return | 13.61% | 8732.34%-8718.7pp | 418.76%-405.2pp | 1366.03%-1352.4pp |
| Employer contribution / active EE | $11,319 | $3,811+197.0% | $4,934+129.4% | $2,624+331.3% |
| Participant deferral / active EE | $14,293 | $7,304+95.7% | $8,070+77.1% | $4,347+228.8% |
| Admin fee / account holder | $580 | $1,748-66.8% | $13,006-95.5% | $1,944-70.1% |