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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 142010600 | Recordkeeping | $728 |
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).
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 | $36,746 | $62,928-41.6% | $172,753-78.7% | $67,582-45.6% |
| Participation rate | 43.0% | 64.5%-21.5pp | 82.6%-39.6pp | 71.3%-28.3pp |
| Annual return | 18.62% | 30.36%-11.7pp | 803.00%-784.4pp | 378.57%-359.9pp |
| Employer contribution / active EE | $276 | $1,636-83.1% | $5,144-94.6% | $2,148-87.1% |
| Participant deferral / active EE | $2,246 | $2,145+4.7% | $5,198-56.8% | $3,539-36.5% |
| Admin fee / account holder | $367 | $167+120.1% | $13,956-97.4% | $142+157.8% |