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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $2,341 |
Filed as: PENTEC PENSION MGT GROUP INC Service code 15 · EIN 75-2776689 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $64,636 | $72,554-10.9% | $138,135-53.2% | $73,493-12.1% |
| Participation rate | 64.8% | 74.8%-10.1pp | 78.7%-13.9pp | 70.7%-5.9pp |
| Annual return | 16.04% | 17.50%-1.5pp | 20.51%-4.5pp | 28.51%-12.5pp |
| Employer contribution / active EE | $1,064 | $3,511-69.7% | $5,587-81.0% | $2,270-53.1% |
| Participant deferral / active EE | $4,256 | $4,908-13.3% | $6,431-33.8% | $3,740+13.8% |
| Admin fee / account holder | $310 | $464-33.2% | $11,856-97.4% | $513-39.6% |