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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS CO Service code 15 · EIN 01-0233346 | Recordkeeping | $928 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $41,870 | $80,748-48.1% | $102,383-59.1% | $74,429-43.7% |
| Participation rate | 80.7% | 65.7%+15.1pp | 74.5%+6.2pp | 67.2%+13.5pp |
| Annual return | 15.41% | 27.57%-12.2pp | 24.94%-9.5pp | 1368.38%-1353.0pp |
| Employer contribution / active EE | $2,228 | $3,159-29.5% | $3,870-42.4% | $2,625-15.1% |
| Participant deferral / active EE | $4,358 | $3,861+12.9% | $5,060-13.9% | $4,348+0.2% |
| Admin fee / account holder | $652 | $2,371-72.5% | $8,391-92.2% | $1,944-66.5% |