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| Provider | Service type | Compensation |
|---|---|---|
M HOLDINGS SECURITIES INC9+ years Filed as: M HOLDINGS SECURITIES, INC. Service code 26 · EIN 91-1802259 1125 NW COUCH ST · PORTLAND, OR 97209 | Advisory (Participants) | $24,805 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 14201 | Recordkeeping | $2,175 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $16,137 | $26,137-38.3% | $58,561-72.4% | $74,460-78.3% |
| Participation rate | 28.1% | 32.2%-4.1pp | 50.9%-22.8pp | 70.7%-42.7pp |
| Annual return | 12.44% | 32.53%-20.1pp | 4251.33%-4238.9pp | 34.38%-21.9pp |
| Employer contribution / active EE | $153 | $537-71.4% | $1,053-85.4% | $2,638-94.2% |
| Participant deferral / active EE | $752 | $1,076-30.1% | $1,923-60.9% | $4,530-83.4% |
| Admin fee / account holder | $141 | $648-78.2% | $2,520-94.4% | $348-59.4% |