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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS USA Service code 28 · EIN 01-0233346 | Investment Management | $45,159 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $113,856 | $60,165+89.2% | $74,184+53.5% | $55,167+106.4% |
| Participation rate | 52.8% | 74.2%-21.4pp | 76.6%-23.9pp | 69.0%-16.2pp |
| Annual return | 8.42% | 10.00%-1.6pp | 17.74%-9.3pp | 169.23%-160.8pp |
| Employer contribution / active EE | $0 | $1,600-100.0% | $2,370-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $3,502 | $2,973+17.8% | $3,550-1.4% | $3,054+14.7% |
| Admin fee / account holder | $523 | $419+24.8% | $5,586-90.6% | $504+3.9% |