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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $656 |
Participant 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $77,231 | $69,511+11.1% | $94,664-18.4% | $71,511+8.0% |
| Participation rate | 80.8% | 78.4%+2.4pp | 80.8%0pp | 67.9%+12.9pp |
| Annual return | 15.27% | 29.67%-14.4pp | 156.84%-141.6pp | 28.86%-13.6pp |
| Employer contribution / active EE | $625 | $2,853-78.1% | $3,673-83.0% | $2,589-75.9% |
| Participant deferral / active EE | $3,265 | $7,348-55.6% | $7,417-56.0% | $4,291-23.9% |
| Admin fee / account holder | $397 | $1,211-67.2% | $7,222-94.5% | $1,588-75.0% |