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| Provider | Service type | Compensation |
|---|---|---|
UBS FINANCIAL SERVICES INC4 years Service code 26 · EIN 13-2638166 | Advisory (Participants) | $19,036 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO. USA Service code 15 · EIN 01-0233346 | Recordkeeping | $1,044 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $63,927 | $91,179-29.9% | $178,499-64.2% | $79,852-19.9% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 11.96% | 24.19%-12.2pp | 151.10%-139.1pp | 31.72%-19.8pp |
| Employer contribution / active EE | $2,102 | $3,256-35.4% | $5,011-58.0% | $2,471-14.9% |
| Participant deferral / active EE | $2,454 | $3,236-24.2% | $5,202-52.8% | $3,740-34.4% |
| Admin fee / account holder | $385 | $6,749-94.3% | $13,986-97.2% | $5,306-92.7% |