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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RAYMOND JAMES Service code 26 · EIN 59-2937883 | Advisory (Participants) | $35,025 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $4,358 |
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 | $127,361 | $49,657+156.5% | $93,063+36.9% | $67,986+87.3% |
| Participation rate | 57.0% | 49.9%+7.1pp | 72.1%-15.1pp | 57.2%-0.2pp |
| Annual return | 15.52% | 26.27%-10.7pp | 34.15%-18.6pp | 31.67%-16.1pp |
| Employer contribution / active EE | $1,607 | $1,279+25.7% | $2,476-35.1% | $2,019-20.4% |
| Participant deferral / active EE | $4,149 | $2,484+67.0% | $3,958+4.8% | $3,358+23.6% |
| Admin fee / account holder | $587 | $2,843-79.4% | $6,033-90.3% | $3,203-81.7% |