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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 01-0233346 | Recordkeeping | $4,238 |
Filed as: GALLAGHER FIDUCIARY ADVISORS Service code 26 · EIN 36-4291971 | Advisory (Participants) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $45,150 | $52,581-14.1% | $130,788-65.5% | $64,340-29.8% |
| Participation rate | 73.7% | 46.5%+27.2pp | 70.1%+3.6pp | 55.2%+18.5pp |
| Annual return | 6.83% | 20.39%-13.6pp | 386.44%-379.6pp | 24.14%-17.3pp |
| Employer contribution / active EE | $805 | $1,031-22.0% | $3,558-77.4% | $1,862-56.8% |
| Participant deferral / active EE | $3,209 | $2,200+45.8% | $4,137-22.4% | $2,980+7.7% |
| Admin fee / account holder | $398 | $4,583-91.3% | $6,673-94.0% | $3,703-89.2% |