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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE Service code 15 · EIN 01-0233346 | Recordkeeping | $1,568 |
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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,316 | $84,936-62.0% | $111,308-71.0% | $79,391-59.3% |
| Participation rate | 52.3% | 75.9%-23.5pp | 77.3%-25.0pp | 70.7%-18.4pp |
| Annual return | 19.73% | 17.45%+2.3pp | 54.67%-34.9pp | 116.88%-97.2pp |
| Employer contribution / active EE | $1,529 | $1,979-22.8% | $2,732-44.0% | $2,428-37.0% |
| Participant deferral / active EE | $2,964 | $3,888-23.8% | $4,487-33.9% | $4,046-26.7% |
| Admin fee / account holder | $415 | $537-22.8% | $7,965-94.8% | $627-33.8% |