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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $519 |
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).
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 | $28,779 | $104,479-72.5% | $159,474-82.0% | $79,391-63.8% |
| Participation rate | 60.2% | 76.6%-16.4pp | 82.8%-22.6pp | 70.7%-10.5pp |
| Annual return | 18.79% | 67.98%-49.2pp | 263.68%-244.9pp | 116.88%-98.1pp |
| Employer contribution / active EE | $1,688 | $3,417-50.6% | $4,831-65.1% | $2,428-30.5% |
| Participant deferral / active EE | $3,393 | $6,468-47.5% | $7,353-53.9% | $4,046-16.1% |
| Admin fee / account holder | $325 | $711-54.2% | $10,802-97.0% | $627-48.1% |