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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 04-2675571 | Advisory (Participants) | $33,162 |
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Filed as: JOHN HANCOCK LIFE INSURANCE CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $1,172 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $209,051 | $101,499+106.0% | $147,005+42.2% | $74,546+180.4% |
| Participation rate | 100.0% | 75.5%+24.5pp | 82.2%+17.8pp | 67.2%+32.8pp |
| Annual return | 12.80% | 8732.34%-8719.5pp | 418.76%-406.0pp | 1366.03%-1353.2pp |
| Employer contribution / active EE | $3,998 | $3,811+4.9% | $4,934-19.0% | $2,624+52.3% |
| Participant deferral / active EE | $6,688 | $7,304-8.4% | $8,070-17.1% | $4,347+53.8% |
| Admin fee / account holder | $751 | $1,748-57.0% | $13,006-94.2% | $1,944-61.3% |