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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS CO USA Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $15,532 |
Filed as: GLOBAL RETIREMENT PARTNERS Service code 26 · EIN 47-1411118 4340 REDWOOD HIGHWAY · SAN RAFAEL, CA 94903 | Advisory (Participants) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
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).
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 | $31,123 | $55,636-44.1% | $81,988-62.0% | $73,493-57.7% |
| Participation rate | 47.5% | 62.3%-14.8pp | 69.3%-21.8pp | 70.7%-23.2pp |
| Annual return | 10.94% | 19.07%-8.1pp | 41.31%-30.4pp | 28.51%-17.6pp |
| Employer contribution / active EE | $224 | $1,625-86.2% | $2,498-91.0% | $2,270-90.1% |
| Participant deferral / active EE | $1,577 | $2,762-42.9% | $3,722-57.6% | $3,740-57.8% |
| Admin fee / account holder | $363 | $493-26.3% | $5,665-93.6% | $513-29.2% |