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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS CO Service code 15 · EIN 01-0233346 | Recordkeeping | $198 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $30,395 | $69,383-56.2% | $101,271-70.0% | $73,493-58.6% |
| Participation rate | 9.4% | 68.4%-58.9pp | 75.8%-66.4pp | 70.7%-61.2pp |
| Annual return | 13.97% | 18.46%-4.5pp | 46.48%-32.5pp | 28.51%-14.5pp |
| Employer contribution / active EE | $0 | $2,628-100.0% | $3,660-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $370 | $3,301-88.8% | $4,371-91.5% | $3,740-90.1% |
| Admin fee / account holder | $528 | $704-25.0% | $5,948-91.1% | $513+2.9% |