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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE Service code 15 · EIN 01-0233346 | Recordkeeping | $66 |
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $0 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $28,822 | $77,638-62.9% | $156,551-81.6% | $62,881-54.2% |
| Participation rate | 36.0% | 71.2%-35.2pp | 84.0%-48.1pp | 69.3%-33.3pp |
| Annual return | 6.49% | 50.33%-43.8pp | 32.23%-25.7pp | 20.14%-13.7pp |
| Employer contribution / active EE | $165 | $3,444-95.2% | $5,501-97.0% | $2,281-92.8% |
| Participant deferral / active EE | $857 | $3,046-71.9% | $4,871-82.4% | $3,203-73.3% |
| Admin fee / account holder | $2 | $5,561-100.0% | $13,028-100.0% | $4,296-100.0% |