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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $86 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $64,976 | $77,677-16.4% | $109,173-40.5% | $79,391-18.2% |
| Participation rate | 13.3% | 67.8%-54.5pp | 75.9%-62.6pp | 70.7%-57.4pp |
| Annual return | 10.77% | 23.44%-12.7pp | 25.75%-15.0pp | 116.88%-106.1pp |
| Employer contribution / active EE | $0 | $2,798-100.0% | $3,723-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $460 | $3,517-86.9% | $4,654-90.1% | $4,046-88.6% |
| Admin fee / account holder | $508 | $732-30.6% | $6,755-92.5% | $627-18.9% |