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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS. CO. USA Service code 15 · EIN 01-0233346 | Recordkeeping | $1,101 |
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 | $65,725 | $49,471+32.9% | $79,583-17.4% | $66,949-1.8% |
| Participation rate | 88.7% | 61.4%+27.3pp | 69.5%+19.2pp | 69.8%+18.9pp |
| Annual return | -15.25% | 84.30%-99.6pp | 0.16%-15.4pp | 1.57%-16.8pp |
| Employer contribution / active EE | $1,214 | $1,266-4.1% | $2,414-49.7% | $2,545-52.3% |
| Participant deferral / active EE | $1,749 | $3,160-44.6% | $3,986-56.1% | $4,239-58.7% |
| Admin fee / account holder | $425 | $595-28.6% | $6,835-93.8% | $594-28.5% |