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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $14,294 |
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $9,496 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,021 | $39,286+19.7% | $80,741-41.8% | $79,391-40.8% |
| Participation rate | 30.9% | 41.0%-10.1pp | 54.2%-23.3pp | 70.7%-39.8pp |
| Annual return | 17.71% | 98.95%-81.2pp | 87.30%-69.6pp | 116.88%-99.2pp |
| Employer contribution / active EE | $718 | $594+20.9% | $1,160-38.1% | $2,428-70.4% |
| Participant deferral / active EE | $1,429 | $1,264+13.1% | $2,145-33.4% | $4,046-64.7% |
| Admin fee / account holder | $324 | $647-49.9% | $3,380-90.4% | $627-48.3% |