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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $50 |
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.)
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 | $43,814 | $58,726-25.4% | $92,240-52.5% | $62,293-29.7% |
| Participation rate | 11.3% | 68.3%-57.0pp | 76.5%-65.2pp | 69.5%-58.2pp |
| Annual return | 14.07% | 43.62%-29.5pp | 176.29%-162.2pp | 28.90%-14.8pp |
| Employer contribution / active EE | $0 | $2,392-100.0% | $3,680-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $432 | $2,766-84.4% | $3,897-88.9% | $3,169-86.4% |
| Admin fee / account holder | $354 | $556-36.4% | $5,194-93.2% | $479-26.2% |