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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 14201 | Recordkeeping | $1,251 |
Filed as: MERRILL LYNCH - EPS Service code 26 · EIN 01-0233346 150 N. COLLEGE ST. · CHARLOTTE, NC 14201 | Advisory (Participants) | $0 |
Filed as: MERRILL LYNCH - FAS Service code 26 · EIN 13-5674085 150 N. COLLEGE ST. · CHARLOTTE, NC 28255 | Advisory (Participants) | $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.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $33,143 | $48,261-31.3% | $68,612-51.7% | $55,725-40.5% |
| Participation rate | 35.5% | 71.0%-35.5pp | 72.2%-36.7pp | 70.9%-35.3pp |
| Annual return | -6.75% | -2.61%-4.1pp | -4.63%-2.1pp | 244.93%-251.7pp |
| Employer contribution / active EE | $993 | $1,742-43.0% | $2,625-62.2% | $2,078-52.2% |
| Participant deferral / active EE | $1,733 | $2,712-36.1% | $3,311-47.7% | $3,356-48.4% |
| Admin fee / account holder | $316 | $126+150.2% | $5,131-93.8% | $115+174.0% |