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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE (USA) Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $2,250 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,806 | $50,860+19.6% | $155,574-60.9% | $77,714-21.8% |
| Participation rate | 57.1% | 63.1%-6.0pp | 78.2%-21.1pp | 70.6%-13.4pp |
| Annual return | 15.95% | 34.86%-18.9pp | 64.87%-48.9pp | 31.26%-15.3pp |
| Employer contribution / active EE | $2,127 | $1,991+6.8% | $4,676-54.5% | $2,727-22.0% |
| Participant deferral / active EE | $4,238 | $2,825+50.0% | $5,629-24.7% | $4,649-8.8% |
| Admin fee / account holder | $426 | $436-2.4% | $15,914-97.3% | $433-1.6% |