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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $17,087 |
Filed as: JOHN HANCOCK LIFE INS CO Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $3,852 |
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 | $44,939 | $55,458-19.0% | $76,030-40.9% | $77,762-42.2% |
| Participation rate | 44.9% | 63.6%-18.7pp | 69.1%-24.2pp | 70.6%-25.7pp |
| Annual return | 11.77% | 17.10%-5.3pp | 361.54%-349.8pp | 31.27%-19.5pp |
| Employer contribution / active EE | $1,591 | $1,792-11.2% | $2,688-40.8% | $2,728-41.7% |
| Participant deferral / active EE | $2,608 | $3,454-24.5% | $4,257-38.7% | $4,651-43.9% |
| Admin fee / account holder | $331 | $411-19.5% | $6,421-94.9% | $433-23.6% |