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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $1,183 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $48,379 | $58,895-17.9% | $178,503-72.9% | $73,497-34.2% |
| Participation rate | 46.2% | 66.2%-20.0pp | 81.9%-35.7pp | 70.7%-24.5pp |
| Annual return | 13.16% | 24.86%-11.7pp | 151.12%-138.0pp | 28.51%-15.4pp |
| Employer contribution / active EE | $950 | $2,236-57.5% | $5,011-81.1% | $2,270-58.2% |
| Participant deferral / active EE | $1,409 | $2,567-45.1% | $5,202-72.9% | $3,740-62.3% |
| Admin fee / account holder | $453 | $400+13.1% | $13,987-96.8% | $513-11.7% |