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| Provider | Service type | Compensation |
|---|---|---|
Filed as: LEVEL FOUR ADVISORY SERVICES Service code 26 · EIN 11-3738689 | Advisory (Participants) | $8,157 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $473 |
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 | $23,903 | $74,188-67.8% | $115,756-79.4% | $64,814-63.1% |
| Participation rate | 18.0% | 76.2%-58.2pp | 77.1%-59.1pp | 71.5%-53.5pp |
| Annual return | -14.04% | -11.81%-2.2pp | 143.14%-157.2pp | 32.84%-46.9pp |
| Employer contribution / active EE | $0 | $3,365-100.0% | $3,793-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $713 | $5,294-86.5% | $6,254-88.6% | $4,310-83.5% |
| Admin fee / account holder | $284 | $148+91.5% | $8,124-96.5% | $188+51.2% |