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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE Service code 15 · EIN 01-0233346 | Recordkeeping | $12,899 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $21,937 | $64,176-65.8% | $112,263-80.5% | $66,949-67.2% |
| Participation rate | 31.5% | 68.4%-36.9pp | 75.1%-43.5pp | 69.8%-38.3pp |
| Annual return | -20.58% | -13.80%-6.8pp | 27.49%-48.1pp | 1.57%-22.2pp |
| Employer contribution / active EE | $354 | $3,007-88.2% | $3,636-90.3% | $2,545-86.1% |
| Participant deferral / active EE | $2,098 | $3,694-43.2% | $4,729-55.6% | $4,239-50.5% |
| Admin fee / account holder | $179 | $626-71.4% | $6,410-97.2% | $594-69.9% |