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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 47-1717450 | Advisory (Participants) | $27,027 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $552 |
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 | $110,388 | $84,936+30.0% | $111,308-0.8% | $79,391+39.0% |
| Participation rate | 83.7% | 75.9%+7.8pp | 77.3%+6.4pp | 70.7%+13.0pp |
| Annual return | 11.22% | 17.45%-6.2pp | 54.67%-43.4pp | 116.88%-105.7pp |
| Employer contribution / active EE | $649 | $1,979-67.2% | $2,732-76.2% | $2,428-73.3% |
| Participant deferral / active EE | $5,809 | $3,888+49.4% | $4,487+29.5% | $4,046+43.6% |
| Admin fee / account holder | $798 | $537+48.6% | $7,965-90.0% | $627+27.4% |