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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH - FASANY Service code 26 · EIN 13-5674085 | Advisory (Participants) | $49,026 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $1,888 |
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 | $83,461 | $101,672-17.9% | $147,117-43.3% | $74,478+12.1% |
| Participation rate | 58.7% | 75.5%-16.8pp | 82.2%-23.4pp | 67.2%-8.5pp |
| Annual return | 14.63% | 8757.83%-8743.2pp | 420.54%-405.9pp | 1370.56%-1355.9pp |
| Employer contribution / active EE | $1,569 | $3,813-58.9% | $4,932-68.2% | $2,626-40.3% |
| Participant deferral / active EE | $5,462 | $7,305-25.2% | $8,065-32.3% | $4,350+25.6% |
| Admin fee / account holder | $560 | $1,753-68.0% | $12,993-95.7% | $1,946-71.2% |