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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 | $54,117-16.6% | $135,768-66.7% | $65,306-30.9% |
| Participation rate | 73.7% | 48.7%+25.1pp | 71.1%+2.7pp | 57.7%+16.1pp |
| Annual return | 6.83% | 21.76%-14.9pp | 526.10%-519.3pp | 21.94%-15.1pp |
| Employer contribution / active EE | $805 | $1,029-21.8% | $3,394-76.3% | $1,967-59.1% |
| Participant deferral / active EE | $3,209 | $2,395+34.0% | $3,977-19.3% | $2,959+8.4% |
| Admin fee / account holder | $398 | $4,541-91.2% | $7,048-94.4% | $3,480-88.6% |