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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 46-1785786 | Advisory (Participants) | $14,052 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $0 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
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 | $30,365 | $75,183-59.6% | $123,894-75.5% | $55,167-45.0% |
| Participation rate | 32.0% | 72.8%-40.8pp | 81.4%-49.4pp | 69.0%-37.0pp |
| Annual return | 14.27% | 19.01%-4.7pp | 47.52%-33.2pp | 169.23%-155.0pp |
| Employer contribution / active EE | $0 | $2,823-100.0% | $4,617-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $5,347 | $5,084+5.2% | $5,984-10.7% | $3,054+75.1% |
| Admin fee / account holder | $40 | $663-94.0% | $8,357-99.5% | $504-92.1% |