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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE Service code 15 · EIN 01-0233346 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $123,064 | $81,494+51.0% | $133,978-8.1% | $73,497+67.4% |
| Participation rate | 67.9% | 76.4%-8.5pp | 79.8%-12.0pp | 70.7%-2.8pp |
| Annual return | 15.72% | 19.40%-3.7pp | 45.10%-29.4pp | 28.51%-12.8pp |
| Employer contribution / active EE | $1,269 | $2,210-42.6% | $3,919-67.6% | $2,270-44.1% |
| Participant deferral / active EE | $4,072 | $3,787+7.5% | $5,047-19.3% | $3,740+8.9% |
| Admin fee / account holder | $500 | $713-29.9% | $8,930-94.4% | $513-2.5% |