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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $1,406 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,321 | $68,573-55.8% | $120,368-74.8% | $80,874-62.5% |
| Participation rate | 66.7% | 61.6%+5.1pp | 71.9%-5.2pp | 67.6%-1.0pp |
| Annual return | 16.73% | 23.61%-6.9pp | 107.26%-90.5pp | 35.62%-18.9pp |
| Employer contribution / active EE | $137 | $2,052-93.3% | $3,465-96.0% | $2,756-95.0% |
| Participant deferral / active EE | $8,039 | $3,174+153.3% | $4,991+61.1% | $4,297+87.1% |
| Admin fee / account holder | $366 | $5,734-93.6% | $9,429-96.1% | $6,935-94.7% |