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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE Service code 15 · EIN 01-0233346 RETIREMENT PLAN SERVICES, ET9 · BUFFALO, NY 142010600 | Recordkeeping | $6,771 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $119,877 | $82,163+45.9% | $125,381-4.4% | $64,819+84.9% |
| Participation rate | 73.0% | 77.9%-4.8pp | 82.4%-9.3pp | 71.5%+1.6pp |
| Annual return | -16.79% | 3.49%-20.3pp | 572.31%-589.1pp | 32.84%-49.6pp |
| Employer contribution / active EE | $2,995 | $3,616-17.2% | $4,815-37.8% | $2,507+19.5% |
| Participant deferral / active EE | $9,060 | $7,175+26.3% | $7,448+21.7% | $4,311+110.2% |
| Admin fee / account holder | $338 | $163+106.9% | $10,007-96.6% | $188+79.8% |