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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN JANCOCK LIFE INSURANCE COMPANY Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $290 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,008 | $44,714+74.5% | $91,227-14.5% | $66,949+16.5% |
| Participation rate | 52.1% | 65.0%-12.9pp | 73.2%-21.1pp | 69.8%-17.8pp |
| Annual return | -17.64% | -12.25%-5.4pp | 114.14%-131.8pp | 1.57%-19.2pp |
| Employer contribution / active EE | $383 | $1,710-77.6% | $2,851-86.6% | $2,545-85.0% |
| Participant deferral / active EE | $2,911 | $3,355-13.3% | $4,234-31.3% | $4,239-31.3% |
| Admin fee / account holder | $359 | $521-31.1% | $5,423-93.4% | $594-39.5% |