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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 04-2675571 | Advisory (Participants) | $29,713 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $2,615 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $75,972 | $49,471+53.6% | $79,583-4.5% | $66,949+13.5% |
| Participation rate | 67.9% | 61.4%+6.5pp | 69.5%-1.6pp | 69.8%-1.9pp |
| Annual return | -19.49% | 84.30%-103.8pp | 0.16%-19.7pp | 1.57%-21.1pp |
| Employer contribution / active EE | $1,311 | $1,266+3.5% | $2,414-45.7% | $2,545-48.5% |
| Participant deferral / active EE | $4,447 | $3,160+40.7% | $3,986+11.6% | $4,239+4.9% |
| Admin fee / account holder | $443 | $595-25.6% | $6,835-93.5% | $594-25.4% |