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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $0 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $43,183 | $84,936-49.2% | $111,303-61.2% | $79,393-45.6% |
| Participation rate | 47.4% | 75.9%-28.4pp | 77.3%-29.9pp | 70.7%-23.3pp |
| Annual return | 12.37% | 17.45%-5.1pp | 54.66%-42.3pp | 116.87%-104.5pp |
| Employer contribution / active EE | $917 | $1,979-53.7% | $2,731-66.4% | $2,428-62.2% |
| Participant deferral / active EE | $1,787 | $3,888-54.0% | $4,487-60.2% | $4,046-55.8% |
| Admin fee / account holder | $290 | $537-46.0% | $7,966-96.4% | $627-53.7% |