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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY11+ years Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $4,596 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $10,989 | $56,047-80.4% | $98,716-88.9% | $79,634-86.2% |
| Participation rate | 62.7% | 54.6%+8.1pp | 69.3%-6.6pp | 62.5%+0.2pp |
| Annual return | 14.11% | 17.58%-3.5pp | 31.81%-17.7pp | 36.46%-22.3pp |
| Employer contribution / active EE | $89 | $1,237-92.8% | $2,279-96.1% | $2,529-96.5% |
| Participant deferral / active EE | $1,244 | $2,469-49.6% | $4,048-69.3% | $3,835-67.6% |
| Admin fee / account holder | $79 | $1,512-94.8% | $8,703-99.1% | $1,002-92.1% |