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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $442 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,639 | $69,383-77.5% | $101,271-84.6% | $73,493-78.7% |
| Participation rate | 73.1% | 68.4%+4.7pp | 75.8%-2.7pp | 70.7%+2.4pp |
| Annual return | 14.18% | 18.46%-4.3pp | 46.48%-32.3pp | 28.51%-14.3pp |
| Employer contribution / active EE | $321 | $2,628-87.8% | $3,660-91.2% | $2,270-85.9% |
| Participant deferral / active EE | $4,036 | $3,301+22.3% | $4,371-7.7% | $3,740+7.9% |
| Admin fee / account holder | $154 | $704-78.2% | $5,948-97.4% | $513-70.1% |