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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 | $464 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,967 | $61,391-46.3% | $149,723-78.0% | $71,529-53.9% |
| Participation rate | 99.1% | 62.5%+36.6pp | 78.8%+20.4pp | 67.9%+31.2pp |
| Annual return | 17.09% | 35.88%-18.8pp | 134.50%-117.4pp | 28.97%-11.9pp |
| Employer contribution / active EE | $7,391 | $2,384+210.1% | $4,821+53.3% | $2,590+185.4% |
| Participant deferral / active EE | $3,623 | $2,921+24.1% | $5,682-36.2% | $4,291-15.6% |
| Admin fee / account holder | $316 | $1,264-75.0% | $13,215-97.6% | $1,588-80.1% |