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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY11+ years Service code 15 · EIN 01-0233346 P O BOX 600 · BUFFALO, NY 14201 | Recordkeeping | $516 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,565 | $38,967+19.5% | $86,233-46.0% | $79,634-41.5% |
| Participation rate | 43.4% | 34.1%+9.4pp | 69.0%-25.6pp | 62.5%-19.0pp |
| Annual return | 15.28% | 49.90%-34.6pp | 61.39%-46.1pp | 36.46%-21.2pp |
| Employer contribution / active EE | $1,066 | $868+22.8% | $2,504-57.4% | $2,529-57.8% |
| Participant deferral / active EE | $2,400 | $1,663+44.4% | $4,559-47.4% | $3,835-37.4% |
| Admin fee / account holder | $440 | $2,660-83.5% | $8,342-94.7% | $1,002-56.1% |