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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $576 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $26,359 | $58,093-54.6% | $80,022-67.1% | $56,287-53.2% |
| Participation rate | 55.0% | 73.6%-18.6pp | 75.8%-20.8pp | 69.9%-14.9pp |
| Annual return | -8.38% | 34.63%-43.0pp | 11.22%-19.6pp | -9.96%+1.6pp |
| Employer contribution / active EE | $1,250 | $1,933-35.3% | $2,468-49.4% | $2,111-40.8% |
| Participant deferral / active EE | $2,652 | $3,136-15.4% | $3,686-28.1% | $3,350-20.8% |
| Admin fee / account holder | $307 | $623-50.7% | $6,521-95.3% | $521-41.1% |