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| Provider | Service type | Compensation |
|---|---|---|
ARMANINO LLP6 years Filed as: ARMANINO, LLP Service code 16 · EIN 94-6214841 | Consulting | $13,634 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $1,970 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $20,850 | $45,000-53.7% | $143,799-85.5% | $77,906-73.2% |
| Participation rate | 25.8% | 66.8%-41.1pp | 80.3%-54.5pp | 73.7%-47.9pp |
| Annual return | -18.42% | 29.03%-47.4pp | -0.04%-18.4pp | 12.16%-30.6pp |
| Employer contribution / active EE | $0 | $1,870-100.0% | $4,952-100.0% | $2,846-100.0% |
| Participant deferral / active EE | $935 | $3,157-70.4% | $5,638-83.4% | $4,805-80.5% |
| Admin fee / account holder | $152 | $98+54.6% | $14,677-99.0% | $133+14.7% |