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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 | $89,465-61.4% | $165,100-79.1% | $77,762-55.6% |
| Participation rate | 36.9% | 78.6%-41.7pp | 78.6%-41.7pp | 70.6%-33.7pp |
| Annual return | 15.12% | 28.86%-13.7pp | 70.21%-55.1pp | 31.27%-16.1pp |
| Employer contribution / active EE | $942 | $2,565-63.3% | $4,348-78.3% | $2,728-65.5% |
| Participant deferral / active EE | $1,901 | $4,904-61.2% | $6,035-68.5% | $4,651-59.1% |
| Admin fee / account holder | $335 | $340-1.5% | $12,696-97.4% | $433-22.7% |