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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $21,411 |
Filed as: NORTHWEST CAPITAL MANAGEMENT Service code 27 · EIN 93-1242462 | Advisory (Plan) | $17,820 |
Filed as: HOFFMAN, STEWART & SCHMIDT, P.C. Service code 10 · EIN 93-0743240 | Accounting | $15,750 |
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).
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 | $29,285 | $73,532-60.2% | $178,540-83.6% | $74,459-60.7% |
| Participation rate | 83.8% | 66.6%+17.2pp | 77.1%+6.7pp | 67.2%+16.6pp |
| Annual return | 9.85% | 17.51%-7.7pp | 27.15%-17.3pp | 1369.70%-1359.9pp |
| Employer contribution / active EE | $0 | $2,221-100.0% | $3,953-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,519 | $4,519-44.2% | $6,281-59.9% | $4,350-42.1% |
| Admin fee / account holder | $341 | $1,813-81.2% | $10,424-96.7% | $1,945-82.5% |