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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO USA Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $590 |
Annual investment return is in the bottom quintile of the peer cohort.
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 | $24,489 | $57,108-57.1% | $94,229-74.0% | $52,331-53.2% |
| Participation rate | 85.6% | 72.9%+12.7pp | 78.8%+6.8pp | 68.1%+17.5pp |
| Annual return | -2.15% | 1.47%-3.6pp | 10.68%-12.8pp | 4.54%-6.7pp |
| Employer contribution / active EE | $1,543 | $1,735-11.1% | $3,587-57.0% | $1,882-18.0% |
| Participant deferral / active EE | $4,076 | $3,040+34.1% | $4,320-5.7% | $3,022+34.9% |
| Admin fee / account holder | $40 | $546-92.7% | $6,269-99.4% | $592-93.3% |