Filed October 18, 2004
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
GOLDMAN SACHS1 year Filed as: UNITED CAPITAL FIN. ADVISORS Service code 26 · EIN 27-0493248 450 E LAS OLAS BLVD · FORT LAUDERDALE, FL 33394 | Advisory (Participants) | $25,125 |
JOHN HANCOCK LIFE INSURANCE COMPANY11+ years Filed as: JOHN HANCOCK LIFE INS. CO. (USA) Service code 15 · EIN 01-0233346 P. O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $22,655 |
CORPORATE PLANS & SERVICES, INC.11+ years Service code 37 · EIN 56-0990374 219 WILLIAMSON ROAD, SUITE 1120 · MOORESVILLE, NC 28117 | Loan Processing | $4,500 |
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).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $91,698 | $65,561+39.9% | $91,541+0.2% | $74,304+23.4% |
| Participation rate | 66.9% | 56.6%+10.3pp | 69.8%-2.9pp | 60.3%+6.6pp |
| Annual return | 12.92% | 17.68%-4.8pp | 20.50%-7.6pp | 29.43%-16.5pp |
| Employer contribution / active EE | $631 | $1,717-63.2% | $2,505-74.8% | $2,241-71.8% |
| Participant deferral / active EE | $2,485 | $2,918-14.8% | $4,008-38.0% | $3,767-34.0% |
| Admin fee / account holder | $451 | $3,333-86.5% | $6,956-93.5% | $2,969-84.8% |