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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 | $101,591+24.7% | $147,096-13.9% | $74,429+70.2% |
| Participation rate | 65.5% | 75.5%-10.1pp | 82.2%-16.7pp | 67.2%-1.8pp |
| Annual return | 11.92% | 8746.45%-8734.5pp | 419.75%-407.8pp | 1368.38%-1356.5pp |
| Employer contribution / active EE | $2,038 | $3,813-46.5% | $4,936-58.7% | $2,625-22.4% |
| Participant deferral / active EE | $7,212 | $7,302-1.2% | $8,071-10.6% | $4,348+65.9% |
| Admin fee / account holder | $546 | $1,750-68.8% | $13,005-95.8% | $1,944-71.9% |