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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 | $304 |
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 | $40,809 | $61,391-33.5% | $149,723-72.7% | $71,529-42.9% |
| Participation rate | 38.4% | 62.5%-24.1pp | 78.8%-40.4pp | 67.9%-29.5pp |
| Annual return | 16.76% | 35.88%-19.1pp | 134.50%-117.7pp | 28.97%-12.2pp |
| Employer contribution / active EE | $258 | $2,384-89.2% | $4,821-94.7% | $2,590-90.1% |
| Participant deferral / active EE | $1,919 | $2,921-34.3% | $5,682-66.2% | $4,291-55.3% |
| Admin fee / account holder | $341 | $1,264-73.0% | $13,215-97.4% | $1,588-78.5% |