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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $400 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $65,134 | $66,124-1.5% | $90,430-28.0% | $73,493-11.4% |
| Participation rate | 38.3% | 69.7%-31.4pp | 72.7%-34.4pp | 70.7%-32.4pp |
| Annual return | 16.28% | 17.65%-1.4pp | 1293.73%-1277.4pp | 28.51%-12.2pp |
| Employer contribution / active EE | $1,023 | $2,346-56.4% | $3,262-68.6% | $2,270-55.0% |
| Participant deferral / active EE | $1,892 | $3,039-37.7% | $3,963-52.3% | $3,740-49.4% |
| Admin fee / account holder | $537 | $396+35.6% | $5,613-90.4% | $513+4.7% |