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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 04-2675571 | Advisory (Participants) | $39,715 |
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 01-0233346 | Recordkeeping | $2,276 |
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.)
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 | $82,202 | $46,464+76.9% | $150,298-45.3% | $79,634+3.2% |
| Participation rate | 6.0% | 57.0%-50.9pp | 77.8%-71.7pp | 62.5%-56.5pp |
| Annual return | 17.64% | 27.89%-10.3pp | 62.79%-45.2pp | 36.46%-18.8pp |
| Employer contribution / active EE | $221 | $1,512-85.4% | $4,154-94.7% | $2,529-91.2% |
| Participant deferral / active EE | $1,034 | $2,157-52.1% | $5,453-81.0% | $3,835-73.0% |
| Admin fee / account holder | $728 | $891-18.3% | $14,116-94.8% | $1,002-27.4% |