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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY11+ years Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 14201 | Recordkeeping | $0 |
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.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $245,976 | $52,682+366.9% | $78,004+215.3% | $64,097+283.8% |
| Participation rate | 65.4% | 47.7%+17.6pp | 69.4%-4.1pp | 55.2%+10.2pp |
| Annual return | 12.59% | 22.45%-9.9pp | 31.07%-18.5pp | 34.64%-22.1pp |
| Employer contribution / active EE | $0 | $1,323-100.0% | $2,469-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $10,194 | $2,346+334.6% | $4,092+149.1% | $3,080+231.0% |
| Admin fee / account holder | $2,967 | $5,420-45.3% | $7,578-60.8% | $3,454-14.1% |