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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $5,188 |
Filed as: RAYMOND JAMES Service code 26 · EIN 59-2937883 | Advisory (Participants) | $5,156 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $7,134 | $52,978-86.5% | $116,096-93.9% | $65,306-89.1% |
| Participation rate | 42.2% | 51.6%-9.4pp | 73.3%-31.1pp | 57.7%-15.5pp |
| Annual return | 8.51% | 27.83%-19.3pp | 326.25%-317.7pp | 21.94%-13.4pp |
| Employer contribution / active EE | $351 | $1,182-70.3% | $2,503-86.0% | $1,967-82.2% |
| Participant deferral / active EE | $1,245 | $2,197-43.3% | $3,952-68.5% | $2,959-57.9% |
| Admin fee / account holder | $46 | $2,820-98.4% | $7,704-99.4% | $3,480-98.7% |