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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $1,090 |
EPIC RETIREMENT PLAN SERVICES4+ years Filed as: UNITED RETIREMENT PLAN CONSULTANTS Service code 13 · EIN 25-1759623 | Contract Administrator | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $45,299 | $86,332-47.5% | $125,180-63.8% | $65,185-30.5% |
| Participation rate | 63.4% | 75.3%-11.9pp | 79.8%-16.4pp | 70.2%-6.8pp |
| Annual return | 22.44% | 27.43%-5.0pp | 43.79%-21.4pp | 29.38%-6.9pp |
| Employer contribution / active EE | $1,127 | $2,040-44.7% | $3,866-70.8% | $2,177-48.2% |
| Participant deferral / active EE | $3,559 | $3,537+0.6% | $4,937-27.9% | $3,514+1.3% |
| Admin fee / account holder | $354 | $609-41.8% | $9,703-96.3% | $847-58.2% |