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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $618 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $79,562 | $50,106+58.8% | $69,779+14.0% | $57,658+38.0% |
| Participation rate | 0.0% | 70.9%-70.9pp | 71.8%-71.8pp | 70.2%-70.2pp |
| Annual return | 4.55% | 14.58%-10.0pp | 12.99%-8.4pp | 5.13%-0.6pp |
| Employer contribution / active EE | $179 | $1,739-89.7% | $2,338-92.3% | $1,974-90.9% |
| Participant deferral / active EE | $1,049 | $2,486-57.8% | $2,931-64.2% | $3,061-65.7% |
| Admin fee / account holder | $753 | $89+744.0% | $4,381-82.8% | $95+696.3% |