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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $49,896 |
Service code 27 · EIN 43-1451524 | Advisory (Plan) | $19,221 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,805 | $29,507+14.6% | $56,025-39.7% | $77,762-56.5% |
| Participation rate | 20.0% | 32.7%-12.7pp | 52.5%-32.5pp | 70.6%-50.6pp |
| Annual return | 11.55% | 18.90%-7.3pp | 1712.69%-1701.1pp | 31.27%-19.7pp |
| Employer contribution / active EE | $128 | $570-77.6% | $1,042-87.7% | $2,728-95.3% |
| Participant deferral / active EE | $895 | $1,062-15.7% | $1,955-54.2% | $4,651-80.8% |
| Admin fee / account holder | $411 | $1,041-60.5% | $2,828-85.5% | $433-5.0% |