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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS COMPANY Service code 15 · EIN 01-0233346 | Recordkeeping | $900 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $69,607 | $78,636-11.5% | $105,607-34.1% | $74,459-6.5% |
| Participation rate | 57.1% | 72.8%-15.6pp | 75.3%-18.1pp | 67.2%-10.1pp |
| Annual return | 12.27% | 15.96%-3.7pp | 116.11%-103.8pp | 1369.70%-1357.4pp |
| Employer contribution / active EE | $565 | $2,523-77.6% | $3,167-82.2% | $2,626-78.5% |
| Participant deferral / active EE | $3,293 | $4,322-23.8% | $5,011-34.3% | $4,350-24.3% |
| Admin fee / account holder | $461 | $2,220-79.2% | $10,958-95.8% | $1,945-76.3% |