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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $20,232 |
FIRST HORIZON ADVISORS INC2 years Filed as: FIRST HORIZON ADVISORS INC. Service code 21 · EIN 62-1254528 | Bank Trustee | $16,031 |
LPL FINANCIAL1 year Filed as: LPL RETIREMENT PARTNERS Service code 27 · EIN 04-3046611 | Advisory (Plan) | $5,678 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $67,070 | $91,120-26.4% | $161,149-58.4% | $64,097+4.6% |
| Participation rate | 29.4% | 62.2%-32.8pp | 78.8%-49.5pp | 55.2%-25.8pp |
| Annual return | 14.56% | 17.95%-3.4pp | 21.16%-6.6pp | 34.64%-20.1pp |
| Employer contribution / active EE | $603 | $2,284-73.6% | $4,360-86.2% | $1,891-68.1% |
| Participant deferral / active EE | $1,117 | $3,708-69.9% | $6,153-81.8% | $3,080-63.7% |
| Admin fee / account holder | $591 | $4,535-87.0% | $15,194-96.1% | $3,454-82.9% |