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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EDWARD D JONES Service code 26 · EIN 43-0345811 | Advisory (Participants) | $32,806 |
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $2,225 |
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.)
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 | $30,989 | $106,236-70.8% | $112,263-72.4% | $64,824-52.2% |
| Participation rate | 48.3% | 71.7%-23.4pp | 75.1%-26.8pp | 71.5%-23.2pp |
| Annual return | 4.12% | -6.02%+10.1pp | 27.49%-23.4pp | 32.84%-28.7pp |
| Employer contribution / active EE | $1,439 | $3,167-54.6% | $3,636-60.4% | $2,507-42.6% |
| Participant deferral / active EE | $2,735 | $3,786-27.8% | $4,729-42.2% | $4,311-36.6% |
| Admin fee / account holder | $321 | $452-28.9% | $6,410-95.0% | $188+71.0% |