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| Provider | Service type | Compensation |
|---|---|---|
THE BENEFIT PRACTICE4+ years Service code 15 · EIN 13-4144565 | Recordkeeping | $650 |
Filed as: JOHN HANCOCK LIFE INS. CO. (U.S.A.) Service code 15 · EIN 01-0233346 | Recordkeeping | $542 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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).
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 | $20,254 | $83,045-75.6% | $130,026-84.4% | $71,495-71.7% |
| Participation rate | 48.8% | 74.1%-25.3pp | 78.5%-29.7pp | 67.9%-19.1pp |
| Annual return | 20.89% | 20.61%+0.3pp | -137.26%+158.1pp | 28.85%-8.0pp |
| Employer contribution / active EE | $1,091 | $2,623-58.4% | $4,321-74.7% | $2,589-57.9% |
| Participant deferral / active EE | $2,502 | $4,436-43.6% | $5,821-57.0% | $4,291-41.7% |
| Admin fee / account holder | $12 | $1,727-99.3% | $10,608-99.9% | $1,588-99.3% |