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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 14201 | Recordkeeping | $866 |
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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).
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 | $27,853 | $80,781-65.5% | $102,437-72.8% | $74,478-62.6% |
| Participation rate | 50.0% | 65.7%-15.7pp | 74.5%-24.5pp | 67.2%-17.2pp |
| Annual return | 14.45% | 27.58%-13.1pp | 24.95%-10.5pp | 1370.56%-1356.1pp |
| Employer contribution / active EE | $0 | $3,160-100.0% | $3,871-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,257 | $3,862-67.4% | $5,060-75.1% | $4,350-71.1% |
| Admin fee / account holder | $240 | $2,372-89.9% | $8,388-97.1% | $1,946-87.7% |