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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 14201 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $38,858 | $81,719-52.4% | $101,275-61.6% | $90,274-57.0% |
| Participation rate | 2.3% | 80.7%-78.4pp | 75.8%-73.5pp | 73.4%-71.0pp |
| Annual return | 14.68% | 337.64%-323.0pp | 46.48%-31.8pp | 53.97%-39.3pp |
| Employer contribution / active EE | $0 | $3,622-100.0% | $3,660-100.0% | $2,523-100.0% |
| Participant deferral / active EE | $101 | $3,310-97.0% | $4,371-97.7% | $4,231-97.6% |
| Admin fee / account holder | $78 | $162-51.9% | $5,948-98.7% | $114-31.8% |