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| Provider | Service type | Compensation |
|---|---|---|
M HOLDINGS SECURITIES INC2 years Filed as: M. HOLDINGS SECURITIES DNU Service code 26 · EIN 91-1802259 | Advisory (Participants) | $13,209 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,834 | $49,280-19.2% | $67,313-40.8% | $64,173-37.9% |
| Participation rate | 28.3% | 60.8%-32.5pp | 69.1%-40.8pp | 69.6%-41.3pp |
| Annual return | -7.42% | -1.39%-6.0pp | -4.08%-3.3pp | 7.63%-15.1pp |
| Employer contribution / active EE | $46 | $1,668-97.2% | $2,566-98.2% | $2,381-98.1% |
| Participant deferral / active EE | $926 | $2,484-62.7% | $3,568-74.0% | $3,470-73.3% |
| Admin fee / account holder | $331 | $3,863-91.4% | $4,507-92.6% | $4,887-93.2% |