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| Provider | Service type | Compensation |
|---|---|---|
Filed as: NICHOLAS PENSION CONSULTANTS, INC. Service code 13 · EIN 27-1186851 10933 TRADE CENTER DRIVE, SUITE 100 · RANCHO CORDOVA, CA 95670 | Contract Administrator | $2,610 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $1,045 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $54,126 | $51,466+5.2% | $78,778-31.3% | $62,293-13.1% |
| Participation rate | 64.4% | 59.8%+4.6pp | 69.2%-4.8pp | 69.5%-5.1pp |
| Annual return | 13.33% | 19.96%-6.6pp | 35.62%-22.3pp | 28.90%-15.6pp |
| Employer contribution / active EE | $738 | $827-10.8% | $1,986-62.8% | $2,042-63.8% |
| Participant deferral / active EE | $2,322 | $2,147+8.1% | $2,958-21.5% | $3,169-26.7% |
| Admin fee / account holder | $35 | $489-92.8% | $5,134-99.3% | $479-92.7% |