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| Provider | Service type | Compensation |
|---|---|---|
ARMANINO LLP5 years Service code 15 · EIN 94-6214841 | Recordkeeping | $17,592 |
Filed as: JOHN HANCOCK LIFE INS CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $12,817 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $42,706 | $118,337-63.9% | $189,520-77.5% | $93,010-54.1% |
| Participation rate | 42.2% | 89.1%-46.8pp | 87.8%-45.6pp | 73.9%-31.7pp |
| Annual return | 29.53% | 21.77%+7.8pp | 555.25%-525.7pp | 158.70%-129.2pp |
| Employer contribution / active EE | $0 | $4,204-100.0% | $6,161-100.0% | $2,705-100.0% |
| Participant deferral / active EE | $4,199 | $7,123-41.0% | $8,220-48.9% | $4,561-7.9% |
| Admin fee / account holder | $174 | $100+74.8% | $12,046-98.6% | $152+14.8% |