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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $362 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,660 | $94,833-37.1% | $75,717-21.2% | $86,813-31.3% |
| Participation rate | 23.2% | 79.1%-55.9pp | 74.8%-51.6pp | 72.3%-49.1pp |
| Annual return | 11.81% | 16.91%-5.1pp | 104.58%-92.8pp | 97.93%-86.1pp |
| Employer contribution / active EE | $473 | $2,904-83.7% | $2,743-82.8% | $2,406-80.3% |
| Participant deferral / active EE | $1,720 | $3,632-52.6% | $3,821-55.0% | $4,131-58.4% |
| Admin fee / account holder | $656 | $109+504.0% | $3,619-81.9% | $170+286.9% |