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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 | $54,193+1.1% | $93,654-41.5% | $77,671-29.5% |
| Participation rate | 39.9% | 63.9%-24.1pp | 68.7%-28.9pp | 70.6%-30.7pp |
| Annual return | 17.21% | 30.54%-13.3pp | 133.34%-116.1pp | 31.21%-14.0pp |
| Employer contribution / active EE | $359 | $1,168-69.2% | $2,421-85.2% | $2,726-86.8% |
| Participant deferral / active EE | $3,087 | $3,144-1.8% | $4,413-30.0% | $4,648-33.6% |
| Admin fee / account holder | $453 | $576-21.3% | $8,282-94.5% | $430+5.3% |