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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RESOURCES INVESTMENT ADVISORS Service code 26 · EIN 43-1451524 | Advisory (Participants) | $17,924 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $434 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $27,809 | $65,118-57.3% | $76,767-63.8% | $55,725-50.1% |
| Participation rate | 31.6% | 79.6%-48.0pp | 77.0%-45.4pp | 70.9%-39.2pp |
| Annual return | -6.64% | -1.27%-5.4pp | 2.43%-9.1pp | 244.93%-251.6pp |
| Employer contribution / active EE | $0 | $1,941-100.0% | $2,485-100.0% | $2,078-100.0% |
| Participant deferral / active EE | $2,173 | $3,688-41.1% | $3,852-43.6% | $3,356-35.2% |
| Admin fee / account holder | $296 | $116+155.6% | $6,675-95.6% | $115+157.1% |