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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO. USA Service code 15 · EIN 01-0233346 RETIREMENT PLAN SERVICES, ET9 · BUFFALO, NY 142010600 | Recordkeeping | $2,590 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $41,537 | $64,768-35.9% | $76,327-45.6% | $77,736-46.6% |
| Participation rate | 58.6% | 72.6%-14.1pp | 79.2%-20.6pp | 70.6%-12.0pp |
| Annual return | 10.08% | 13.90%-3.8pp | 13.79%-3.7pp | 31.26%-21.2pp |
| Employer contribution / active EE | $2,095 | $2,747-23.7% | $4,584-54.3% | $2,728-23.2% |
| Participant deferral / active EE | $1,953 | $3,709-47.3% | $5,478-64.3% | $4,651-58.0% |
| Admin fee / account holder | $464 | $1,025-54.7% | $5,139-91.0% | $433+7.1% |