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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 1 JOHN HANCOCK WAY · BOSTON, MA 022171350 | Recordkeeping | $592 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $76,019 | $89,652-15.2% | $141,197-46.2% | $65,186+16.6% |
| Participation rate | 52.4% | 74.7%-22.3pp | 82.5%-30.1pp | 70.2%-17.8pp |
| Annual return | 26.19% | 32.79%-6.6pp | 71.41%-45.2pp | 29.39%-3.2pp |
| Employer contribution / active EE | $0 | $3,065-100.0% | $4,736-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $2,694 | $5,691-52.7% | $6,710-59.8% | $3,514-23.3% |
| Admin fee / account holder | $450 | $569-20.8% | $10,265-95.6% | $847-46.8% |