Filed August 19, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ANCORA RETIREMENT PLAN ADVISOR Service code 26 · EIN 23-2697799 | Advisory (Participants) | $24,491 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO Service code 15 · EIN 01-0233346 | Recordkeeping | $675 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,791 | $41,647-42.9% | $96,171-75.3% | $86,821-72.6% |
| Participation rate | 18.5% | 50.3%-31.8pp | 68.4%-50.0pp | 72.3%-53.8pp |
| Annual return | 20.80% | 27.24%-6.4pp | 192.04%-171.2pp | 97.94%-77.1pp |
| Employer contribution / active EE | $0 | $1,328-100.0% | $2,799-100.0% | $2,406-100.0% |
| Participant deferral / active EE | $727 | $2,412-69.9% | $4,350-83.3% | $4,132-82.4% |
| Admin fee / account holder | $291 | $169+71.7% | $5,538-94.7% | $170+71.5% |