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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 | $1,289 |
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.)
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 | $28,484 | $63,471-55.1% | $68,803-58.6% | $66,949-57.5% |
| Participation rate | 45.9% | 60.0%-14.1pp | 69.0%-23.2pp | 69.8%-24.0pp |
| Annual return | -15.67% | -8.29%-7.4pp | -6.37%-9.3pp | 1.57%-17.2pp |
| Employer contribution / active EE | $147 | $1,776-91.7% | $2,656-94.5% | $2,545-94.2% |
| Participant deferral / active EE | $2,068 | $2,946-29.8% | $3,942-47.5% | $4,239-51.2% |
| Admin fee / account holder | $313 | $578-45.9% | $4,936-93.7% | $594-47.3% |