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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $46 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,126 | $80,177-91.1% | $123,894-94.2% | $57,658-87.6% |
| Participation rate | 43.5% | 74.4%-31.0pp | 81.4%-37.9pp | 70.2%-26.8pp |
| Annual return | 9.20% | 17.90%-8.7pp | 47.52%-38.3pp | 5.13%+4.1pp |
| Employer contribution / active EE | $1,005 | $2,913-65.5% | $4,617-78.2% | $1,974-49.1% |
| Participant deferral / active EE | $1,571 | $5,130-69.4% | $5,984-73.7% | $3,061-48.7% |
| Admin fee / account holder | $43 | $106-59.2% | $8,357-99.5% | $95-54.1% |