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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $53,483 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,611 | $45,000-43.1% | $143,799-82.2% | $77,906-67.1% |
| Participation rate | 39.2% | 66.8%-27.6pp | 80.3%-41.1pp | 73.7%-34.5pp |
| Annual return | -17.23% | 29.03%-46.3pp | -0.04%-17.2pp | 12.16%-29.4pp |
| Employer contribution / active EE | $839 | $1,870-55.1% | $4,952-83.1% | $2,846-70.5% |
| Participant deferral / active EE | $2,458 | $3,157-22.1% | $5,638-56.4% | $4,805-48.8% |
| Admin fee / account holder | $86 | $98-13.1% | $14,677-99.4% | $133-35.5% |