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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 14201 | Recordkeeping | $474 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $23,121 | $60,165-61.6% | $74,184-68.8% | $55,167-58.1% |
| Participation rate | 52.6% | 74.2%-21.6pp | 76.6%-24.0pp | 69.0%-16.4pp |
| Annual return | 7.19% | 10.00%-2.8pp | 17.74%-10.5pp | 169.23%-162.0pp |
| Employer contribution / active EE | $637 | $1,600-60.2% | $2,370-73.1% | $1,963-67.6% |
| Participant deferral / active EE | $1,474 | $2,973-50.4% | $3,550-58.5% | $3,054-51.7% |
| Admin fee / account holder | $206 | $419-50.9% | $5,586-96.3% | $504-59.2% |