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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $765 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $41,847 | $65,083-35.7% | $143,788-70.9% | $66,930-37.5% |
| Participation rate | 33.6% | 65.2%-31.6pp | 80.3%-46.8pp | 69.8%-36.3pp |
| Annual return | -15.89% | -11.13%-4.8pp | -0.03%-15.9pp | 1.57%-17.5pp |
| Employer contribution / active EE | $0 | $2,361-100.0% | $4,952-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,823 | $2,920-37.6% | $5,638-67.7% | $4,238-57.0% |
| Admin fee / account holder | $305 | $502-39.4% | $14,675-97.9% | $593-48.7% |