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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $433 |
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.)
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 | $116,167 | $59,448+95.4% | $93,696+24.0% | $74,459+56.0% |
| Participation rate | 50.2% | 59.6%-9.4pp | 68.7%-18.5pp | 67.2%-17.0pp |
| Annual return | 16.71% | 82.11%-65.4pp | 133.74%-117.0pp | 1369.70%-1353.0pp |
| Employer contribution / active EE | $0 | $1,266-100.0% | $2,422-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $3,603 | $3,052+18.1% | $4,417-18.4% | $4,350-17.2% |
| Admin fee / account holder | $657 | $3,027-78.3% | $8,287-92.1% | $1,945-66.2% |