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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO Service code 15 · EIN 01-0233346 | Recordkeeping | $3,804 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $54,004 | $42,367+27.5% | $79,580-32.1% | $64,819-16.7% |
| Participation rate | 69.2% | 64.7%+4.5pp | 69.5%-0.3pp | 71.5%-2.3pp |
| Annual return | -15.23% | -12.23%-3.0pp | 0.15%-15.4pp | 32.84%-48.1pp |
| Employer contribution / active EE | $1,855 | $1,181+57.1% | $2,413-23.1% | $2,507-26.0% |
| Participant deferral / active EE | $6,206 | $3,170+95.8% | $3,985+55.7% | $4,311+44.0% |
| Admin fee / account holder | $325 | $160+103.8% | $6,835-95.2% | $188+73.2% |