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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $50 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $8,301 | $65,322-87.3% | $70,494-88.2% | $73,497-88.7% |
| Participation rate | 68.6% | 77.0%-8.3pp | 75.1%-6.4pp | 70.7%-2.1pp |
| Annual return | 70.02% | 15.71%+54.3pp | 109.16%-39.1pp | 28.51%+41.5pp |
| Employer contribution / active EE | $593 | $2,460-75.9% | $2,738-78.3% | $2,270-73.9% |
| Participant deferral / active EE | $1,675 | $3,375-50.4% | $3,711-54.8% | $3,740-55.2% |
| Admin fee / account holder | $29 | $214-86.7% | $3,848-99.3% | $513-94.4% |