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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY11+ years Service code 15 · EIN 01-0233346 | Recordkeeping | $51,562 |
Filed as: RAYMOND JAMES Service code 26 · EIN 59-2937883 | Advisory (Participants) | $39,329 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,651 | $116,081-64.1% | $156,181-73.3% | $79,634-47.7% |
| Participation rate | 65.9% | 75.6%-9.7pp | 78.8%-12.9pp | 62.5%+3.4pp |
| Annual return | 13.77% | 15.89%-2.1pp | 64.87%-51.1pp | 36.46%-22.7pp |
| Employer contribution / active EE | $0 | $2,828-100.0% | $4,294-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $1,990 | $4,584-56.6% | $6,132-67.5% | $3,835-48.1% |
| Admin fee / account holder | $360 | $854-57.8% | $14,586-97.5% | $1,002-64.0% |