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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Filed as: JOHN HANCOCK RETIREMENT PLAN SRVCS Service code 15 · EIN 01-0233346 | Recordkeeping | $285,278 |
LOCKTON INVESTMENT ADVISORS, LLC10+ years Service code 27 DEPT 999224 · KANSAS CITY, ME 64121 | Advisory (Plan) | $70,035 |
BPM LLP1 year Service code 10 · EIN 81-4234542 | Accounting | $16,000 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $153,167 | $106,230+44.2% | $147,080+4.1% | $77,736+97.0% |
| Participation rate | 85.1% | 78.4%+6.7pp | 82.2%+2.9pp | 70.6%+14.5pp |
| Annual return | 13.89% | 56.91%-43.0pp | 420.17%-406.3pp | 31.26%-17.4pp |
| Employer contribution / active EE | $846 | $4,072-79.2% | $4,933-82.9% | $2,728-69.0% |
| Participant deferral / active EE | $9,248 | $8,001+15.6% | $8,066+14.6% | $4,651+98.9% |
| Admin fee / account holder | $590 | $338+74.5% | $12,989-95.5% | $433+36.2% |