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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INCSURANCE CO. Service code 15 · EIN 01-0233346 | Recordkeeping | $337 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $56,522 | $54,573+3.6% | $90,970-37.9% | $73,493-23.1% |
| Participation rate | 59.8% | 61.2%-1.4pp | 69.0%-9.2pp | 70.7%-10.9pp |
| Annual return | 15.41% | 16.69%-1.3pp | 134.58%-119.2pp | 28.51%-13.1pp |
| Employer contribution / active EE | $1,570 | $991+58.3% | $2,122-26.0% | $2,270-30.8% |
| Participant deferral / active EE | $2,599 | $2,517+3.3% | $3,373-22.9% | $3,740-30.5% |
| Admin fee / account holder | $408 | $521-21.8% | $5,960-93.2% | $513-20.6% |