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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 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.)
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 | $174,942 | $55,636+214.4% | $81,982+113.4% | $73,497+138.0% |
| Participation rate | 60.2% | 62.3%-2.1pp | 69.3%-9.1pp | 70.7%-10.5pp |
| Annual return | 13.62% | 19.07%-5.5pp | 41.31%-27.7pp | 28.51%-14.9pp |
| Employer contribution / active EE | $0 | $1,625-100.0% | $2,498-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $8,333 | $2,762+201.7% | $3,722+123.9% | $3,740+122.8% |
| Admin fee / account holder | $575 | $493+16.7% | $5,665-89.8% | $513+12.1% |