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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Filed as: JOHN HANCOCK LIFE INSURANCE CO Service code 15 · EIN 01-0233346 | Recordkeeping | $626 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $126,686 | $101,653+24.6% | $147,080-13.9% | $74,459+70.1% |
| Participation rate | 65.5% | 75.6%-10.1pp | 82.2%-16.7pp | 67.2%-1.8pp |
| Annual return | 11.92% | 8754.98%-8743.1pp | 420.17%-408.2pp | 1369.70%-1357.8pp |
| Employer contribution / active EE | $2,038 | $3,813-46.6% | $4,933-58.7% | $2,626-22.4% |
| Participant deferral / active EE | $7,212 | $7,304-1.3% | $8,066-10.6% | $4,350+65.8% |
| Admin fee / account holder | $546 | $1,752-68.8% | $12,989-95.8% | $1,945-71.9% |