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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $36,565 |
Filed as: JOHN HANCOCK LIFE INS. CO. OF NY Service code 15 · EIN 13-3646501 | Recordkeeping | $1,148 |
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.)
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 | $105,154 | $98,982+6.2% | $162,177-35.2% | $65,185+61.3% |
| Participation rate | 66.1% | 85.8%-19.7pp | 87.6%-21.5pp | 70.2%-4.1pp |
| Annual return | 27.96% | 24.84%+3.1pp | 115.60%-87.6pp | 29.38%-1.4pp |
| Employer contribution / active EE | $0 | $3,467-100.0% | $5,613-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $12,303 | $5,384+128.5% | $7,297+68.6% | $3,514+250.1% |
| Admin fee / account holder | $633 | $596+6.1% | $10,843-94.2% | $847-25.3% |