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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 | $591 |
Filed as: M2B RETIREMENT CONSULTING, LLC Service code 15 · EIN 31-1770695 101 BRADFORD RD. STE 200 · WEXFORD, PA 15090 | Recordkeeping | $400 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,271 | $64,286-9.4% | $90,970-35.9% | $73,412-20.6% |
| Participation rate | 27.3% | 63.6%-36.3pp | 69.0%-41.7pp | 72.2%-44.9pp |
| Annual return | 8.48% | 21.46%-13.0pp | 134.58%-126.1pp | 59.30%-50.8pp |
| Employer contribution / active EE | $209 | $895-76.7% | $2,122-90.2% | $2,234-90.7% |
| Participant deferral / active EE | $1,196 | $2,453-51.3% | $3,373-64.6% | $3,806-68.6% |
| Admin fee / account holder | $314 | $287+9.3% | $5,960-94.7% | $158+98.8% |