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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $20,173 |
Filed as: COMPERIO RETIREMENT CONSULT Service code 26 · EIN 20-4798483 | Advisory (Participants) | $9,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $11,024 | $41,039-73.1% | $85,240-87.1% | $99,313-88.9% |
| Participation rate | 3.4% | 34.4%-31.0pp | 67.5%-64.2pp | 71.7%-68.3pp |
| Annual return | 21.09% | 17.44%+3.6pp | 66.75%-45.7pp | 17.67%+3.4pp |
| Employer contribution / active EE | $0 | $1,106-100.0% | $2,735-100.0% | $3,264-100.0% |
| Participant deferral / active EE | $75 | $2,193-96.6% | $4,527-98.3% | $5,346-98.6% |
| Admin fee / account holder | $118 | $177-33.3% | $6,165-98.1% | $109+8.2% |