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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 | $175 |
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 | $57,489 | $64,176-10.4% | $112,249-48.8% | $66,938-14.1% |
| Participation rate | 25.9% | 68.4%-42.6pp | 75.1%-49.2pp | 69.8%-43.9pp |
| Annual return | -16.55% | -13.80%-2.8pp | 27.48%-44.0pp | 1.58%-18.1pp |
| Employer contribution / active EE | $188 | $3,007-93.7% | $3,636-94.8% | $2,545-92.6% |
| Participant deferral / active EE | $2,438 | $3,694-34.0% | $4,729-48.4% | $4,238-42.5% |
| Admin fee / account holder | $401 | $626-36.0% | $6,412-93.7% | $594-32.5% |