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| Provider | Service type | Compensation |
|---|---|---|
DA DAVIDSON & CO5 years Filed as: D A DAVIDSON AND CO Service code 27 8 THIRD ST N · GREAT FALLS, MT 59401 | Advisory (Plan) | $25,000 |
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $18,508 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $126,797 | $65,083+94.8% | $143,788-11.8% | $66,930+89.4% |
| Participation rate | 67.1% | 65.2%+1.9pp | 80.3%-13.2pp | 69.8%-2.7pp |
| Annual return | -19.69% | -11.13%-8.6pp | -0.03%-19.7pp | 1.57%-21.3pp |
| Employer contribution / active EE | $1,424 | $2,361-39.7% | $4,952-71.2% | $2,545-44.0% |
| Participant deferral / active EE | $6,970 | $2,920+138.7% | $5,638+23.6% | $4,238+64.5% |
| Admin fee / account holder | $407 | $502-19.1% | $14,675-97.2% | $593-31.5% |