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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO Service code 15 · EIN 01-0233346 | Recordkeeping | $329 |
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,637 | $29,369-57.0% | $77,513-83.7% | $73,412-82.8% |
| Participation rate | 28.1% | 37.9%-9.8pp | 54.2%-26.0pp | 72.2%-44.0pp |
| Annual return | 30.75% | 358.15%-327.4pp | 54.81%-24.1pp | 59.30%-28.5pp |
| Employer contribution / active EE | $452 | $406+11.4% | $987-54.2% | $2,234-79.8% |
| Participant deferral / active EE | $1,456 | $941+54.8% | $1,861-21.8% | $3,806-61.7% |
| Admin fee / account holder | $96 | $123-21.6% | $2,859-96.6% | $158-39.1% |