Filed August 19, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO Service code 15 · EIN 01-0233346 | Recordkeeping | $775 |
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $0 |
STRATOS WEALTH PARTNERS1 year Service code 26 · EIN 27-5273468 | Advisory (Participants) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,280 | $39,948-36.7% | $89,435-71.7% | $73,412-65.6% |
| Participation rate | 16.8% | 50.4%-33.6pp | 68.0%-51.2pp | 72.2%-55.4pp |
| Annual return | 18.16% | 50.12%-32.0pp | 245.55%-227.4pp | 59.30%-41.1pp |
| Employer contribution / active EE | $0 | $1,200-100.0% | $2,587-100.0% | $2,234-100.0% |
| Participant deferral / active EE | $581 | $2,193-73.5% | $3,890-85.1% | $3,806-84.7% |
| Admin fee / account holder | $178 | $134+33.0% | $4,884-96.3% | $158+13.0% |