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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 14201 | Recordkeeping | $1,304 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,686 | $55,470-69.9% | $155,556-89.3% | $74,478-77.6% |
| Participation rate | 67.2% | 61.9%+5.3pp | 78.2%-11.0pp | 67.2%0pp |
| Annual return | 9.04% | 269.80%-260.8pp | 64.84%-55.8pp | 1370.56%-1361.5pp |
| Employer contribution / active EE | $860 | $2,267-62.1% | $4,675-81.6% | $2,626-67.3% |
| Participant deferral / active EE | $1,284 | $2,838-54.8% | $5,631-77.2% | $4,350-70.5% |
| Admin fee / account holder | $318 | $1,744-81.8% | $15,885-98.0% | $1,946-83.7% |