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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $48,578 |
WITHUMSMITH+BROWN, PC3 years Filed as: WITHUM Service code 10 · EIN 22-2027092 | Accounting | $9,270 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,664 | $39,286+11.1% | $80,741-45.9% | $79,391-45.0% |
| Participation rate | 51.1% | 41.0%+10.1pp | 54.2%-3.1pp | 70.7%-19.6pp |
| Annual return | 10.14% | 98.95%-88.8pp | 87.30%-77.2pp | 116.88%-106.7pp |
| Employer contribution / active EE | $96 | $594-83.9% | $1,160-91.7% | $2,428-96.1% |
| Participant deferral / active EE | $833 | $1,264-34.1% | $2,145-61.2% | $4,046-79.4% |
| Admin fee / account holder | $428 | $647-33.9% | $3,380-87.4% | $627-31.8% |