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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.
Annual investment return 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).
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 | $34,418 | $28,416+21.1% | $73,550-53.2% | $69,631-50.6% |
| Participation rate | 12.0% | 38.3%-26.4pp | 54.9%-42.9pp | 70.7%-58.7pp |
| Annual return | 13.34% | -694.13%+707.5pp | -15.16%+28.5pp | 27571.02%-27557.7pp |
| Employer contribution / active EE | $86 | $430-80.0% | $1,219-92.9% | $2,032-95.8% |
| Participant deferral / active EE | $303 | $897-66.3% | $1,804-83.2% | $3,224-90.6% |
| Admin fee / account holder | $21 | $104-79.7% | $2,320-99.1% | $110-80.8% |