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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $106,041 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,166 | $101,653-23.1% | $147,080-46.9% | $74,459+5.0% |
| Participation rate | 67.1% | 75.6%-8.5pp | 82.2%-15.1pp | 67.2%-0.2pp |
| Annual return | 19.85% | 8754.98%-8735.1pp | 420.17%-400.3pp | 1369.70%-1349.8pp |
| Employer contribution / active EE | $74 | $3,813-98.1% | $4,933-98.5% | $2,626-97.2% |
| Participant deferral / active EE | $11,684 | $7,304+60.0% | $8,066+44.8% | $4,350+168.6% |
| Admin fee / account holder | $478 | $1,752-72.7% | $12,989-96.3% | $1,945-75.4% |