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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $91,489 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $88,877 | $48,744+82.3% | $93,727-5.2% | $200,096-55.6% |
| Participation rate | 29.7% | 63.7%-34.0pp | 68.7%-39.0pp | 72.0%-42.3pp |
| Annual return | 12.22% | 15.36%-3.1pp | 133.83%-121.6pp | 34.26%-22.0pp |
| Employer contribution / active EE | $0 | $1,140-100.0% | $2,421-100.0% | $3,038-100.0% |
| Participant deferral / active EE | $2,661 | $2,825-5.8% | $4,417-39.8% | $5,090-47.7% |
| Admin fee / account holder | $421 | $195+115.7% | $8,292-94.9% | $269+56.3% |