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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS. CO. U.S.A. Service code 15 · EIN 01-0233346 | Recordkeeping | $818 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $19,893 | $60,165-66.9% | $74,184-73.2% | $55,167-63.9% |
| Participation rate | 46.2% | 74.2%-28.0pp | 76.6%-30.5pp | 69.0%-22.8pp |
| Annual return | 9.36% | 10.00%-0.6pp | 17.74%-8.4pp | 169.23%-159.9pp |
| Employer contribution / active EE | $789 | $1,600-50.7% | $2,370-66.7% | $1,963-59.8% |
| Participant deferral / active EE | $1,464 | $2,973-50.8% | $3,550-58.8% | $3,054-52.1% |
| Admin fee / account holder | $144 | $419-65.7% | $5,586-97.4% | $504-71.5% |