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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RAYMOND JAMES FSA INC Service code 26 · EIN 59-2937883 | Advisory (Participants) | $49,626 |
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $4,336 |
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.
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 | $66,798 | $89,465-25.3% | $164,866-59.5% | $77,671-14.0% |
| Participation rate | 79.2% | 78.6%+0.6pp | 78.6%+0.6pp | 70.6%+8.6pp |
| Annual return | 9.80% | 28.81%-19.0pp | 69.97%-60.2pp | 31.21%-21.4pp |
| Employer contribution / active EE | $2,106 | $2,568-18.0% | $4,343-51.5% | $2,726-22.7% |
| Participant deferral / active EE | $4,574 | $4,897-6.6% | $6,033-24.2% | $4,648-1.6% |
| Admin fee / account holder | $354 | $340+4.2% | $12,689-97.2% | $430-17.8% |