Filed September 17, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS. CO. USA Service code 15 · EIN 01-0233346 | Recordkeeping | $9,075 |
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.
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 | $18,638 | $45,283-58.8% | $155,789-88.0% | $52,331-64.4% |
| Participation rate | 17.6% | 62.2%-44.6pp | 76.1%-58.5pp | 68.1%-50.5pp |
| Annual return | -1.91% | 1.80%-3.7pp | 71.54%-73.4pp | 4.54%-6.5pp |
| Employer contribution / active EE | $0 | $1,329-100.0% | $3,839-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $540 | $2,854-81.1% | $4,798-88.7% | $3,022-82.1% |
| Admin fee / account holder | $196 | $981-80.0% | $7,477-97.4% | $592-66.9% |