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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $92 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,743 | $64,176-55.2% | $112,249-74.4% | $66,938-57.1% |
| Participation rate | 23.8% | 68.4%-44.6pp | 75.1%-51.3pp | 69.8%-46.0pp |
| Annual return | -17.57% | -13.80%-3.8pp | 27.48%-45.1pp | 1.58%-19.2pp |
| Employer contribution / active EE | $0 | $3,007-100.0% | $3,636-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $803 | $3,694-78.2% | $4,729-83.0% | $4,238-81.0% |
| Admin fee / account holder | $350 | $626-44.0% | $6,412-94.5% | $594-41.0% |