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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANC COMPANY Service code 15 · EIN 01-0233346 | Recordkeeping | $53,245 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,322 | $54,690-28.1% | $76,030-48.3% | $74,478-47.2% |
| Participation rate | 84.6% | 60.3%+24.3pp | 69.1%+15.6pp | 67.2%+17.4pp |
| Annual return | 13.33% | 31.92%-18.6pp | 361.54%-348.2pp | 1370.56%-1357.2pp |
| Employer contribution / active EE | $1,965 | $1,781+10.3% | $2,688-26.9% | $2,626-25.2% |
| Participant deferral / active EE | $4,781 | $3,070+55.7% | $4,257+12.3% | $4,350+9.9% |
| Admin fee / account holder | $495 | $2,240-77.9% | $6,421-92.3% | $1,946-74.6% |