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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 14201 | Recordkeeping | $100 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $54,236 | $69,383-21.8% | $101,271-46.4% | $73,493-26.2% |
| Participation rate | 22.7% | 68.4%-45.6pp | 75.8%-53.1pp | 70.7%-48.0pp |
| Annual return | 15.61% | 18.46%-2.9pp | 46.48%-30.9pp | 28.51%-12.9pp |
| Employer contribution / active EE | $154 | $2,628-94.1% | $3,660-95.8% | $2,270-93.2% |
| Participant deferral / active EE | $1,842 | $3,301-44.2% | $4,371-57.9% | $3,740-50.8% |
| Admin fee / account holder | $381 | $704-45.9% | $5,948-93.6% | $513-25.7% |