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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 150 N. COLLEGE ST. · CHARLOTTE, NC 28202 | Advisory (Participants) | $47,241 |
Filed as: JOHN HANCOCK INSURANCE COMPANY Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $6,560 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,552 | $79,209-41.2% | $102,434-54.6% | $74,459-37.5% |
| Participation rate | 91.3% | 74.8%+16.5pp | 76.5%+14.8pp | 67.2%+24.1pp |
| Annual return | 8.94% | 54.98%-46.0pp | 29.46%-20.5pp | 1369.70%-1360.8pp |
| Employer contribution / active EE | $894 | $2,362-62.2% | $3,023-70.4% | $2,626-65.9% |
| Participant deferral / active EE | $2,948 | $4,417-33.3% | $5,055-41.7% | $4,350-32.2% |
| Admin fee / account holder | $502 | $2,002-74.9% | $9,462-94.7% | $1,945-74.2% |