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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $791 |
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 | $73,871 | $50,947+45.0% | $74,549-0.9% | $64,173+15.1% |
| Participation rate | 46.2% | 61.1%-14.8pp | 69.1%-22.9pp | 69.6%-23.3pp |
| Annual return | -7.86% | -1.85%-6.0pp | 32.53%-40.4pp | 7.63%-15.5pp |
| Employer contribution / active EE | $1,003 | $1,115-10.1% | $1,961-48.8% | $2,381-57.9% |
| Participant deferral / active EE | $2,154 | $2,302-6.4% | $3,108-30.7% | $3,470-37.9% |
| Admin fee / account holder | $477 | $4,221-88.7% | $5,059-90.6% | $4,887-90.2% |