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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $1,470 |
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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,201 | $122,239-65.5% | $184,200-77.1% | $74,546-43.4% |
| Participation rate | 65.6% | 85.5%-19.9pp | 86.8%-21.2pp | 67.2%-1.6pp |
| Annual return | 18.05% | 19.95%-1.9pp | 28.80%-10.8pp | 1366.03%-1348.0pp |
| Employer contribution / active EE | $2,853 | $4,537-37.1% | $6,424-55.6% | $2,624+8.7% |
| Participant deferral / active EE | $5,374 | $7,139-24.7% | $9,132-41.1% | $4,347+23.6% |
| Admin fee / account holder | $419 | $1,260-66.7% | $13,907-97.0% | $1,944-78.4% |