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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO Service code 26 · EIN 01-0233346 | Advisory (Participants) | $6,207 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $31,001 | $65,376-52.6% | $87,104-64.4% | $65,185-52.4% |
| Participation rate | 34.6% | 75.3%-40.8pp | 76.9%-42.3pp | 70.2%-35.6pp |
| Annual return | 20.38% | 31.27%-10.9pp | 28.19%-7.8pp | 29.38%-9.0pp |
| Employer contribution / active EE | $606 | $1,822-66.7% | $2,521-76.0% | $2,177-72.2% |
| Participant deferral / active EE | $1,277 | $3,388-62.3% | $4,048-68.4% | $3,514-63.6% |
| Admin fee / account holder | $382 | $520-26.5% | $7,491-94.9% | $847-54.9% |