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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 14201 | Recordkeeping | $1,062 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,274 | $50,956-42.6% | $96,575-69.7% | $86,813-66.3% |
| Participation rate | 55.1% | 65.2%-10.1pp | 69.8%-14.7pp | 72.3%-17.1pp |
| Annual return | 13.94% | 21.27%-7.3pp | 37.79%-23.8pp | 97.93%-84.0pp |
| Employer contribution / active EE | $0 | $1,111-100.0% | $2,357-100.0% | $2,406-100.0% |
| Participant deferral / active EE | $2,985 | $2,954+1.0% | $3,849-22.5% | $4,131-27.8% |
| Admin fee / account holder | $143 | $166-14.1% | $6,182-97.7% | $170-15.8% |