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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $0 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $80,892 | $49,451+63.6% | $79,576+1.7% | $66,930+20.9% |
| Participation rate | 48.3% | 61.3%-13.0pp | 69.5%-21.2pp | 69.8%-21.5pp |
| Annual return | -18.24% | 84.25%-102.5pp | 0.15%-18.4pp | 1.57%-19.8pp |
| Employer contribution / active EE | $0 | $1,266-100.0% | $2,413-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $3,088 | $3,159-2.2% | $3,985-22.5% | $4,238-27.1% |
| Admin fee / account holder | $586 | $595-1.5% | $6,834-91.4% | $593-1.3% |