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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK, USA Service code 15 · EIN 01-0233346 | Recordkeeping | $918 |
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.
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 | $13,799 | $52,967-73.9% | $172,753-92.0% | $65,186-78.8% |
| Participation rate | 60.2% | 66.2%-6.0pp | 82.6%-22.5pp | 70.2%-10.0pp |
| Annual return | 19.55% | 30.12%-10.6pp | 803.00%-783.5pp | 29.39%-9.8pp |
| Employer contribution / active EE | $273 | $2,190-87.5% | $5,144-94.7% | $2,177-87.4% |
| Participant deferral / active EE | $1,273 | $2,471-48.5% | $5,198-75.5% | $3,514-63.8% |
| Admin fee / account holder | $94 | $472-80.2% | $13,956-99.3% | $847-88.9% |