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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $456 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,289 | $56,511-81.8% | $185,837-94.5% | $86,813-88.1% |
| Participation rate | 26.3% | 65.5%-39.2pp | 81.7%-55.4pp | 72.3%-46.0pp |
| Annual return | 43.13% | 118.12%-75.0pp | 122.08%-78.9pp | 97.93%-54.8pp |
| Employer contribution / active EE | $0 | $1,844-100.0% | $5,168-100.0% | $2,406-100.0% |
| Participant deferral / active EE | $1,170 | $2,554-54.2% | $5,568-79.0% | $4,131-71.7% |
| Admin fee / account holder | $131 | $150-12.5% | $16,241-99.2% | $170-22.8% |