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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $1,009 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $101,682 | $54,573+86.3% | $90,965+11.8% | $73,493+38.4% |
| Participation rate | 36.1% | 61.2%-25.1pp | 69.0%-32.9pp | 70.7%-34.6pp |
| Annual return | 11.36% | 16.69%-5.3pp | 134.57%-123.2pp | 28.51%-17.2pp |
| Employer contribution / active EE | $968 | $991-2.4% | $2,122-54.4% | $2,270-57.4% |
| Participant deferral / active EE | $2,173 | $2,517-13.6% | $3,373-35.6% | $3,740-41.9% |
| Admin fee / account holder | $474 | $521-9.1% | $5,960-92.0% | $513-7.6% |