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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO Service code 15 · EIN 01-0233346 | Recordkeeping | $18,555 |
Filed as: EDWARD D JONES & CO., LP Service code 26 · EIN 43-0345811 | Advisory (Participants) | $11,849 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $44,763 | $72,272-38.1% | $101,264-55.8% | $79,858-43.9% |
| Participation rate | 89.7% | 68.5%+21.2pp | 75.8%+13.8pp | 69.6%+20.0pp |
| Annual return | 11.17% | 22.30%-11.1pp | 46.48%-35.3pp | 31.72%-20.6pp |
| Employer contribution / active EE | $317 | $2,692-88.2% | $3,660-91.3% | $2,471-87.2% |
| Participant deferral / active EE | $2,314 | $3,282-29.5% | $4,370-47.0% | $3,740-38.1% |
| Admin fee / account holder | $301 | $4,401-93.2% | $5,947-94.9% | $5,306-94.3% |