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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS CO OF NY Service code 15 · EIN 13-3646501 | Recordkeeping | $45,975 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $46,054 | $45,119+2.1% | $85,126-45.9% | $74,429-38.1% |
| Participation rate | 53.1% | 49.4%+3.7pp | 67.5%-14.5pp | 67.2%-14.2pp |
| Annual return | 18.42% | 26.28%-7.9pp | 66.63%-48.2pp | 1368.38%-1350.0pp |
| Employer contribution / active EE | $1,631 | $1,460+11.7% | $2,731-40.3% | $2,625-37.9% |
| Participant deferral / active EE | $3,592 | $2,738+31.2% | $4,523-20.6% | $4,348-17.4% |
| Admin fee / account holder | $400 | $2,214-81.9% | $6,160-93.5% | $1,944-79.4% |