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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS CO Service code 15 · EIN 01-0233346 | Recordkeeping | $202 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,749 | $64,138-50.5% | $112,258-71.7% | $66,930-52.6% |
| Participation rate | 59.9% | 68.5%-8.6pp | 75.1%-15.2pp | 69.8%-9.9pp |
| Annual return | -11.28% | -13.81%+2.5pp | 27.47%-38.8pp | 1.57%-12.9pp |
| Employer contribution / active EE | $1,476 | $3,006-50.9% | $3,636-59.4% | $2,545-42.0% |
| Participant deferral / active EE | $3,392 | $3,694-8.2% | $4,728-28.3% | $4,238-19.9% |
| Admin fee / account holder | $490 | $625-21.6% | $6,411-92.4% | $593-17.4% |