See peer percentile detail. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See the 6-year trajectory. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $1,169 |
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.)
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).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,104 | $83,884-59.3% | $64,056-46.8% | $74,419-54.2% |
| Participation rate | 27.8% | 76.6%-48.8pp | 72.3%-44.5pp | 70.7%-42.9pp |
| Annual return | 17.36% | 16.57%+0.8pp | 33.69%-16.3pp | 34.38%-17.0pp |
| Employer contribution / active EE | $654 | $3,084-78.8% | $2,747-76.2% | $2,637-75.2% |
| Participant deferral / active EE | $2,079 | $3,692-43.7% | $3,880-46.4% | $4,528-54.1% |
| Admin fee / account holder | $396 | $196+101.9% | $3,068-87.1% | $348+13.8% |