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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS CO Service code 15 · EIN 01-0233346 | Recordkeeping | $734 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $82,248 | $102,661-19.9% | $151,639-45.8% | $66,938+22.9% |
| Participation rate | 37.8% | 85.5%-47.8pp | 87.5%-49.7pp | 69.8%-32.0pp |
| Annual return | -12.95% | -10.81%-2.1pp | 3.34%-16.3pp | 1.58%-14.5pp |
| Employer contribution / active EE | $0 | $4,184-100.0% | $6,165-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $5,788 | $6,645-12.9% | $8,363-30.8% | $4,238+36.6% |
| Admin fee / account holder | $643 | $630+2.0% | $11,613-94.5% | $594+8.3% |