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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL9 years Filed as: LPL FINANCIAL LLC - RPCP Service code 26 | Advisory (Participants) | $24,221 |
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 01-0233346 | Recordkeeping | $650 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,073 | $88,117-34.1% | $164,928-64.8% | $74,400-21.9% |
| Participation rate | 65.0% | 73.1%-8.1pp | 78.6%-13.6pp | 67.2%-2.2pp |
| Annual return | 18.34% | 17.27%+1.1pp | 70.08%-51.7pp | 1367.51%-1349.2pp |
| Employer contribution / active EE | $2,738 | $2,596+5.5% | $4,343-37.0% | $2,624+4.3% |
| Participant deferral / active EE | $4,636 | $4,501+3.0% | $6,034-23.2% | $4,348+6.6% |
| Admin fee / account holder | $324 | $2,230-85.5% | $12,684-97.4% | $1,944-83.3% |