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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS Service code 23 · EIN 01-1414660 | Direct payment from the plan; Insuran... | $241,000 |
FIRST NIAGRA1+ years Service code 28 · EIN 23-6498193 | Investment Management | $23,717 |
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.)
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $396,028 | $63,924+519.5% | $108,582+264.7% | $55,167+617.9% |
| Participation rate | 98.1% | 74.3%+23.7pp | 79.6%+18.5pp | 69.0%+29.1pp |
| Annual return | 15.31% | 15.31%0pp | -51.70%+67.0pp | 169.23%-153.9pp |
| Employer contribution / active EE | $15,810 | $1,879+741.4% | $3,758+320.7% | $1,963+705.6% |
| Participant deferral / active EE | $0 | $3,067-100.0% | $4,311-100.0% | $3,054-100.0% |
| Admin fee / account holder | $1,330 | $618+115.4% | $7,645-82.6% | $504+164.0% |