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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK INSURANCE COMPANY USA Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010601 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $28,357 | $43,423-34.7% | $78,676-64.0% | $55,167-48.6% |
| Participation rate | 57.9% | 68.0%-10.1pp | 73.6%-15.6pp | 69.0%-11.1pp |
| Annual return | 8.82% | 11.53%-2.7pp | 62.19%-53.4pp | 169.23%-160.4pp |
| Employer contribution / active EE | $1,812 | $1,997-9.2% | $2,850-36.4% | $1,963-7.7% |
| Participant deferral / active EE | $3,716 | $2,509+48.1% | $3,517+5.7% | $3,054+21.7% |
| Admin fee / account holder | $196 | $416-52.9% | $4,510-95.7% | $504-61.1% |