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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $1,866 |
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.)
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,979 | $91,710-65.1% | $67,560-52.7% | $77,762-58.9% |
| Participation rate | 30.2% | 76.0%-45.8pp | 72.9%-42.7pp | 70.6%-40.4pp |
| Annual return | 12.70% | 14.88%-2.2pp | 3533.50%-3520.8pp | 31.27%-18.6pp |
| Employer contribution / active EE | $761 | $3,187-76.1% | $2,737-72.2% | $2,728-72.1% |
| Participant deferral / active EE | $2,317 | $3,911-40.8% | $4,004-42.1% | $4,651-50.2% |
| Admin fee / account holder | $358 | $245+46.1% | $3,994-91.0% | $433-17.3% |