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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 | $95,904-30.1% | $173,730-61.4% | $64,340+4.2% |
| Participation rate | 29.4% | 60.6%-31.2pp | 79.6%-50.2pp | 55.2%-25.9pp |
| Annual return | 14.56% | 17.47%-2.9pp | 19.96%-5.4pp | 24.14%-9.6pp |
| Employer contribution / active EE | $603 | $2,323-74.0% | $4,577-86.8% | $1,862-67.6% |
| Participant deferral / active EE | $1,117 | $3,488-68.0% | $6,326-82.3% | $2,980-62.5% |
| Admin fee / account holder | $591 | $5,089-88.4% | $17,523-96.6% | $3,703-84.0% |