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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 | $54,674-28.1% | $76,089-48.3% | $74,429-47.2% |
| Participation rate | 84.6% | 60.3%+24.3pp | 69.1%+15.5pp | 67.2%+17.4pp |
| Annual return | 13.33% | 31.89%-18.6pp | 360.94%-347.6pp | 1368.38%-1355.1pp |
| Employer contribution / active EE | $1,965 | $1,781+10.3% | $2,690-27.0% | $2,625-25.2% |
| Participant deferral / active EE | $4,781 | $3,071+55.7% | $4,259+12.2% | $4,348+9.9% |
| Admin fee / account holder | $495 | $2,238-77.9% | $6,418-92.3% | $1,944-74.5% |