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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO Service code 15 · EIN 01-0233346 | Recordkeeping | $1,036 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,744 | $47,135-83.6% | $149,717-94.8% | $74,440-89.6% |
| Participation rate | 7.6% | 63.4%-55.8pp | 78.8%-71.1pp | 70.7%-63.1pp |
| Annual return | 12.43% | 22.75%-10.3pp | 134.41%-122.0pp | 34.37%-21.9pp |
| Employer contribution / active EE | $0 | $1,906-100.0% | $4,820-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $137 | $2,728-95.0% | $5,682-97.6% | $4,529-97.0% |
| Admin fee / account holder | $339 | $343-1.2% | $13,213-97.4% | $348-2.6% |