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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 14201 | Recordkeeping | $188 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $16,840 | $42,810-60.7% | $169,452-90.1% | $55,725-69.8% |
| Participation rate | 32.2% | 64.7%-32.5pp | 77.8%-45.5pp | 70.9%-38.6pp |
| Annual return | -4.57% | -3.61%-1.0pp | 1.83%-6.4pp | 244.93%-249.5pp |
| Employer contribution / active EE | $570 | $1,402-59.3% | $4,157-86.3% | $2,078-72.6% |
| Participant deferral / active EE | $928 | $3,141-70.5% | $5,277-82.4% | $3,356-72.3% |
| Admin fee / account holder | $158 | $106+48.1% | $9,110-98.3% | $115+36.9% |