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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS COMPANY Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $1,166 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $57,898 | $74,089-21.9% | $133,975-56.8% | $55,167+4.9% |
| Participation rate | 71.8% | 84.3%-12.5pp | 87.1%-15.3pp | 69.0%+2.8pp |
| Annual return | 4.03% | 12.11%-8.1pp | 29.29%-25.3pp | 169.23%-165.2pp |
| Employer contribution / active EE | $2,642 | $3,064-13.8% | $5,211-49.3% | $1,963+34.6% |
| Participant deferral / active EE | $4,837 | $4,678+3.4% | $6,282-23.0% | $3,054+58.4% |
| Admin fee / account holder | $348 | $458-23.9% | $9,324-96.3% | $504-30.8% |