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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $82 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 | $45,670 | $57,108-20.0% | $94,229-51.5% | $52,331-12.7% |
| Participation rate | 33.3% | 72.9%-39.6pp | 78.8%-45.4pp | 68.1%-34.8pp |
| Annual return | -2.30% | 1.47%-3.8pp | 10.68%-13.0pp | 4.54%-6.8pp |
| Employer contribution / active EE | $0 | $1,735-100.0% | $3,587-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $2,458 | $3,040-19.1% | $4,320-43.1% | $3,022-18.7% |
| Admin fee / account holder | $22 | $546-96.0% | $6,269-99.6% | $592-96.3% |