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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RAYMOND JAMES Service code 26 · EIN 59-2937883 | Advisory (Participants) | $36,114 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $3,638 |
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 | $103,028 | $59,006+74.6% | $97,197+6.0% | $74,429+38.4% |
| Participation rate | 66.7% | 63.7%+3.0pp | 72.7%-6.0pp | 67.2%-0.5pp |
| Annual return | 13.17% | 16.04%-2.9pp | 75.47%-62.3pp | 1368.38%-1355.2pp |
| Employer contribution / active EE | $1,878 | $1,894-0.8% | $2,723-31.0% | $2,625-28.4% |
| Participant deferral / active EE | $4,546 | $3,671+23.8% | $4,263+6.6% | $4,348+4.5% |
| Admin fee / account holder | $579 | $1,974-70.7% | $5,637-89.7% | $1,944-70.2% |