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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $156 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $50,187 | $50,898-1.4% | $171,082-70.7% | $55,167-9.0% |
| Participation rate | 35.0% | 63.3%-28.3pp | 76.7%-41.7pp | 69.0%-34.0pp |
| Annual return | 7.78% | 15.34%-7.6pp | 32.56%-24.8pp | 169.23%-161.4pp |
| Employer contribution / active EE | $237 | $1,433-83.4% | $4,002-94.1% | $1,963-87.9% |
| Participant deferral / active EE | $1,577 | $2,994-47.3% | $4,797-67.1% | $3,054-48.4% |
| Admin fee / account holder | $20 | $500-96.1% | $8,520-99.8% | $504-96.1% |