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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $196 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,633 | $65,092-83.7% | $143,799-92.6% | $66,938-84.1% |
| Participation rate | 62.1% | 65.2%-3.1pp | 80.3%-18.2pp | 69.8%-7.7pp |
| Annual return | -21.66% | -11.14%-10.5pp | -0.04%-21.6pp | 1.58%-23.2pp |
| Employer contribution / active EE | $0 | $2,362-100.0% | $4,952-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,594 | $2,920-45.4% | $5,638-71.7% | $4,238-62.4% |
| Admin fee / account holder | $11 | $502-97.8% | $14,677-99.9% | $594-98.1% |