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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 | $27,912 |
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).
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 | $52,598 | $35,986+46.2% | $77,513-32.1% | $73,493-28.4% |
| Participation rate | 31.8% | 40.8%-9.1pp | 54.2%-22.4pp | 70.7%-38.9pp |
| Annual return | 6.00% | 19.26%-13.3pp | 54.81%-48.8pp | 28.51%-22.5pp |
| Employer contribution / active EE | $631 | $557+13.2% | $987-36.0% | $2,270-72.2% |
| Participant deferral / active EE | $1,303 | $1,198+8.8% | $1,861-30.0% | $3,740-65.2% |
| Admin fee / account holder | $587 | $466+25.9% | $2,859-79.5% | $513+14.3% |