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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANC COMPANY Service code 15 · EIN 01-0233346 | Recordkeeping | $1,934 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,131 | $51,083-48.8% | $70,548-63.0% | $71,495-63.5% |
| Participation rate | 64.5% | 59.4%+5.1pp | 68.3%-3.8pp | 67.9%-3.4pp |
| Annual return | 42.70% | 42.64%+0.1pp | 32.78%+9.9pp | 28.85%+13.8pp |
| Employer contribution / active EE | $2,493 | $1,791+39.2% | $2,975-16.2% | $2,589-3.7% |
| Participant deferral / active EE | $4,690 | $3,028+54.9% | $4,567+2.7% | $4,291+9.3% |
| Admin fee / account holder | $203 | $1,995-89.8% | $6,424-96.8% | $1,588-87.2% |