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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO. Service code 15 · EIN 01-0233346 RETIREMENT PLAN SERVICES · BUFFALO, NY 142010600 | Recordkeeping | $0 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $11,196 | $42,383-73.6% | $76,518-85.4% | $64,173-82.6% |
| Participation rate | 33.3% | 58.1%-24.8pp | 68.0%-34.7pp | 69.6%-36.2pp |
| Annual return | -7.88% | -16.54%+8.7pp | -0.27%-7.6pp | 7.63%-15.5pp |
| Employer contribution / active EE | $1,161 | $1,563-25.7% | $2,647-56.1% | $2,381-51.2% |
| Participant deferral / active EE | $24 | $2,566-99.1% | $3,836-99.4% | $3,470-99.3% |
| Admin fee / account holder | $438 | $3,198-86.3% | $4,849-91.0% | $4,887-91.0% |