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| Provider | Service type | Compensation |
|---|---|---|
Filed as: THE PARAGON ALLIANCE GROUP Service code 13 · EIN 23-3044062 | Contract Administrator | $10,013 |
Filed as: JOHN HANCOCK LIFE INS COMPANY USA Service code 15 · EIN 01-0233346 | Recordkeeping | $5,301 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $83,458 | $91,517-8.8% | $101,275-17.6% | $73,412+13.7% |
| Participation rate | 69.6% | 73.8%-4.2pp | 75.8%-6.2pp | 72.2%-2.6pp |
| Annual return | 17.33% | 17.17%+0.2pp | 46.48%-29.2pp | 59.30%-42.0pp |
| Employer contribution / active EE | $997 | $2,877-65.4% | $3,660-72.8% | $2,234-55.4% |
| Participant deferral / active EE | $4,300 | $3,338+28.8% | $4,371-1.6% | $3,806+13.0% |
| Admin fee / account holder | $470 | $216+117.9% | $5,948-92.1% | $158+197.9% |