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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH - EPS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $9,269 |
Filed as: MERRILL LYNCH - FAS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $9,269 |
JOHNSON BANK8 years Filed as: JOHNSON HANCOCK LIFE INSURANCE COMP Service code 15 · EIN 01-0233346 | Recordkeeping | $0 |
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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,226 | $62,166-36.9% | $81,353-51.8% | $74,459-47.3% |
| Participation rate | 59.4% | 64.1%-4.7pp | 69.5%-10.1pp | 67.2%-7.8pp |
| Annual return | 10.45% | 16.50%-6.0pp | 24.82%-14.4pp | 1369.70%-1359.3pp |
| Employer contribution / active EE | $253 | $1,881-86.5% | $2,464-89.7% | $2,626-90.3% |
| Participant deferral / active EE | $1,230 | $3,223-61.8% | $3,885-68.3% | $4,350-71.7% |
| Admin fee / account holder | $302 | $1,925-84.3% | $5,766-94.8% | $1,945-84.5% |