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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $48 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $35,172 | $52,884-33.5% | $84,753-58.5% | $55,167-36.2% |
| Participation rate | 12.4% | 67.5%-55.1pp | 76.6%-64.2pp | 69.0%-56.6pp |
| Annual return | 4.39% | 18.03%-13.6pp | 22.78%-18.4pp | 169.23%-164.8pp |
| Employer contribution / active EE | $0 | $2,233-100.0% | $3,574-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $437 | $2,644-83.5% | $3,712-88.2% | $3,054-85.7% |
| Admin fee / account holder | $306 | $581-47.3% | $5,333-94.3% | $504-39.2% |