Filed February 20, 2025
Total covered: 4 employees
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: NORTHWESTERN MUTUAL Service code 26 · EIN 39-2018056 | Advisory (Participants) | $49,556 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $2,197 |
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 | $46,720 | $63,053-25.9% | $86,216-45.8% | - |
| Participation rate | 44.2% | 59.8%-15.6pp | 69.0%-24.8pp | - |
| Annual return | 13.97% | 12.64%+1.3pp | 1169.42%-1155.4pp | - |
| Employer contribution / active EE | $472 | $1,503-68.6% | $2,382-80.2% | - |
| Participant deferral / active EE | $2,188 | $3,288-33.4% | $3,986-45.1% | - |
| Admin fee / account holder | $402 | $4,609-91.3% | $6,853-94.1% | - |