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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $55,647 |
Filed as: MML INVESTORS SERVICES LLC Service code 26 · EIN 04-1590850 | Advisory (Participants) | $11,729 |
Filed as: FIDELITY INSURANCE AGENCY, INC. Service code 26 · EIN 65-0087356 | Advisory (Participants) | $1,506 |
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 | $54,772 | $54,213+1.0% | $93,696-41.5% | $77,736-29.5% |
| Participation rate | 39.9% | 64.0%-24.1pp | 68.7%-28.9pp | 70.6%-30.7pp |
| Annual return | 17.21% | 30.55%-13.3pp | 133.74%-116.5pp | 31.26%-14.1pp |
| Employer contribution / active EE | $359 | $1,168-69.3% | $2,422-85.2% | $2,728-86.8% |
| Participant deferral / active EE | $3,087 | $3,145-1.8% | $4,417-30.1% | $4,651-33.6% |
| Admin fee / account holder | $453 | $575-21.2% | $8,287-94.5% | $433+4.6% |