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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 | $1,151 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,865 | $27,632-24.5% | $61,452-66.0% | $68,486-69.5% |
| Participation rate | 14.0% | 39.5%-25.5pp | 52.6%-38.6pp | 67.9%-53.9pp |
| Annual return | -18.58% | -13.24%-5.3pp | 338.96%-357.5pp | -7.85%-10.7pp |
| Employer contribution / active EE | $55 | $696-92.1% | $1,160-95.2% | $2,597-97.9% |
| Participant deferral / active EE | $333 | $1,264-73.6% | $2,125-84.3% | $4,028-91.7% |
| Admin fee / account holder | $471 | $2,010-76.6% | $2,131-77.9% | $5,404-91.3% |