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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $42,180 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $720 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,505 | $89,435-61.4% | $164,975-79.1% | $77,714-55.6% |
| Participation rate | 36.9% | 78.6%-41.7pp | 78.6%-41.7pp | 70.6%-33.7pp |
| Annual return | 15.12% | 28.82%-13.7pp | 70.12%-55.0pp | 31.26%-16.1pp |
| Employer contribution / active EE | $942 | $2,563-63.2% | $4,343-78.3% | $2,727-65.4% |
| Participant deferral / active EE | $1,901 | $4,901-61.2% | $6,033-68.5% | $4,649-59.1% |
| Admin fee / account holder | $335 | $340-1.4% | $12,688-97.4% | $433-22.7% |