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| Provider | Service type | Compensation |
|---|---|---|
Filed as: LEVEL FOUR ADVISORY SERVICES Service code 26 · EIN 11-3738689 | Advisory (Participants) | $6,622 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $362 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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.
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 | $25,751 | $73,823-65.1% | $379,746-93.2% | $73,493-65.0% |
| Participation rate | 21.3% | 73.1%-51.9pp | 78.4%-57.2pp | 70.7%-49.4pp |
| Annual return | 17.63% | 29.06%-11.4pp | 34.90%-17.3pp | 28.51%-10.9pp |
| Employer contribution / active EE | $0 | $2,472-100.0% | $3,540-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $904 | $4,038-77.6% | $6,024-85.0% | $3,740-75.8% |
| Admin fee / account holder | $226 | $607-62.9% | $7,927-97.2% | $513-56.0% |