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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY11+ years Service code 15 · EIN 01-0233346 | Recordkeeping | $11,130 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $141,459 | $103,024+37.3% | $112,040+26.3% | $79,634+77.6% |
| Participation rate | 36.2% | 80.6%-44.4pp | 76.5%-40.3pp | 62.5%-26.3pp |
| Annual return | 15.29% | 17.60%-2.3pp | 24.52%-9.2pp | 36.46%-21.2pp |
| Employer contribution / active EE | $1,065 | $3,015-64.7% | $2,954-63.9% | $2,529-57.9% |
| Participant deferral / active EE | $2,053 | $5,233-60.8% | $5,098-59.7% | $3,835-46.5% |
| Admin fee / account holder | $544 | $465+17.0% | $12,098-95.5% | $1,002-45.7% |