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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $298 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $61,093 | $37,039+64.9% | $147,617-58.6% | $59,188+3.2% |
| Participation rate | 11.2% | 63.8%-52.6pp | 84.6%-73.5pp | 69.4%-58.3pp |
| Annual return | 1.91% | 7.19%-5.3pp | 61.98%-60.1pp | 5.51%-3.6pp |
| Employer contribution / active EE | $39 | $1,353-97.1% | $5,564-99.3% | $2,098-98.1% |
| Participant deferral / active EE | $1,176 | $2,094-43.8% | $4,895-76.0% | $3,265-64.0% |
| Admin fee / account holder | $146 | $60+142.0% | $11,612-98.7% | $92+58.0% |