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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS. CO. U.S.A. Service code 15 · EIN 01-0233346 | Recordkeeping | $1,441 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,250 | $60,788-45.3% | $85,709-61.2% | $79,391-58.1% |
| Participation rate | 55.7% | 62.1%-6.5pp | 69.9%-14.2pp | 70.7%-15.1pp |
| Annual return | 10.52% | 16.57%-6.1pp | 21.49%-11.0pp | 116.88%-106.4pp |
| Employer contribution / active EE | $287 | $1,664-82.8% | $2,619-89.0% | $2,428-88.2% |
| Participant deferral / active EE | $2,332 | $2,920-20.1% | $3,924-40.6% | $4,046-42.4% |
| Admin fee / account holder | $340 | $439-22.5% | $6,876-95.1% | $627-45.7% |