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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 | $51,736-12.7% | $120,225-62.4% | $67,986-33.6% |
| Participation rate | 73.7% | 46.1%+27.6pp | 69.6%+4.2pp | 57.2%+16.5pp |
| Annual return | 6.83% | 31.98%-25.1pp | 439.23%-432.4pp | 31.67%-24.8pp |
| Employer contribution / active EE | $805 | $1,071-24.9% | $3,475-76.9% | $2,019-60.1% |
| Participant deferral / active EE | $3,209 | $2,206+45.5% | $3,999-19.8% | $3,358-4.4% |
| Admin fee / account holder | $398 | $4,159-90.4% | $5,696-93.0% | $3,203-87.6% |