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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $41,531 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $61,228 | $50,820+20.5% | $155,567-60.6% | $77,671-21.2% |
| Participation rate | 31.2% | 63.1%-31.9pp | 78.2%-47.0pp | 70.6%-39.4pp |
| Annual return | 11.48% | 34.85%-23.4pp | 64.74%-53.3pp | 31.21%-19.7pp |
| Employer contribution / active EE | $385 | $1,993-80.7% | $4,674-91.8% | $2,726-85.9% |
| Participant deferral / active EE | $1,144 | $2,823-59.5% | $5,628-79.7% | $4,648-75.4% |
| Admin fee / account holder | $390 | $436-10.6% | $15,916-97.6% | $430-9.5% |