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| Provider | Service type | Compensation |
|---|---|---|
THOMASVILLE NATIONAL BANK4 years Service code 26 · EIN 58-2184934 | Advisory (Participants) | $131,037 |
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Filed as: JOHN HANCOCK LIFE INSURANCE CO. Service code 15 · EIN 01-0233346 | Recordkeeping | $18,509 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $52,140 | $58,336-10.6% | $97,260-46.4% | $199,960-73.9% |
| Participation rate | 45.8% | 63.8%-18.0pp | 72.7%-26.9pp | 72.0%-26.2pp |
| Annual return | 13.34% | 32.81%-19.5pp | 75.54%-62.2pp | 34.28%-20.9pp |
| Employer contribution / active EE | $931 | $1,416-34.3% | $2,721-65.8% | $3,036-69.3% |
| Participant deferral / active EE | $2,616 | $3,240-19.3% | $4,262-38.6% | $5,087-48.6% |
| Admin fee / account holder | $345 | $114+202.9% | $5,640-93.9% | $269+28.2% |