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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS CO (USA) Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $29,605 | $23,385+26.6% | $69,182-57.2% | $57,658-48.7% |
| Participation rate | 11.9% | 37.9%-26.0pp | 55.1%-43.2pp | 70.2%-58.3pp |
| Annual return | 5.57% | -659.34%+664.9pp | -21.93%+27.5pp | 5.13%+0.4pp |
| Employer contribution / active EE | $86 | $422-79.6% | $1,206-92.9% | $1,974-95.6% |
| Participant deferral / active EE | $319 | $843-62.2% | $1,897-83.2% | $3,061-89.6% |
| Admin fee / account holder | $80 | $82-2.8% | $2,697-97.0% | $95-15.6% |