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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS CO (USA) Service code 15 · EIN 01-0233346 | Recordkeeping | $186 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,198 | $56,640-73.2% | $78,002-80.5% | $55,167-72.5% |
| Participation rate | 57.6% | 73.3%-15.7pp | 75.5%-17.9pp | 69.0%-11.4pp |
| Annual return | 11.03% | 2868.48%-2857.4pp | 425.99%-415.0pp | 169.23%-158.2pp |
| Employer contribution / active EE | $232 | $1,724-86.5% | $2,470-90.6% | $1,963-88.2% |
| Participant deferral / active EE | $1,498 | $2,778-46.1% | $3,497-57.2% | $3,054-51.0% |
| Admin fee / account holder | $2 | $467-99.5% | $5,481-100.0% | $504-99.6% |