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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $179 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $14,088 | $47,977-70.6% | $154,111-90.9% | $56,287-75.0% |
| Participation rate | 54.9% | 66.2%-11.2pp | 83.0%-28.1pp | 69.9%-14.9pp |
| Annual return | 18.30% | 3.54%+14.8pp | 735.18%-716.9pp | -9.96%+28.3pp |
| Employer contribution / active EE | $768 | $2,169-64.6% | $5,298-85.5% | $2,111-63.6% |
| Participant deferral / active EE | $2,480 | $2,392+3.7% | $5,081-51.2% | $3,350-26.0% |
| Admin fee / account holder | $7 | $438-98.4% | $13,411-99.9% | $521-98.6% |