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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK RETIREMENT PLAN SVCS Service code 37 · EIN 01-0233346 | Loan Processing | $49,742 |
NYL SECURITIES2 years Service code 27 777 MAIN STREET, SUITE 3800 · FORT WORTH, TX 76102 | Advisory (Plan) | $0 |
Filed as: NYLIFE SECURITIES Service code 55 | Other Commissions | $0 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $73,035 | $55,453+31.7% | $170,435-57.1% | $62,293+17.2% |
| Participation rate | 63.8% | 66.4%-2.5pp | 83.6%-19.8pp | 69.5%-5.7pp |
| Annual return | 18.21% | 21.38%-3.2pp | 205.94%-187.7pp | 28.90%-10.7pp |
| Employer contribution / active EE | $513 | $2,164-76.3% | $5,432-90.6% | $2,042-74.9% |
| Participant deferral / active EE | $3,831 | $2,303+66.4% | $4,939-22.4% | $3,169+20.9% |
| Admin fee / account holder | $355 | $455-21.9% | $13,881-97.4% | $479-25.9% |