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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS. COMP. Service code 15 · EIN 01-0233346 | Recordkeeping | $699 |
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).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,845 | $89,652-61.1% | $141,177-75.3% | $65,185-46.5% |
| Participation rate | 76.9% | 74.7%+2.2pp | 82.5%-5.6pp | 70.2%+6.7pp |
| Annual return | 30.68% | 32.79%-2.1pp | 71.40%-40.7pp | 29.38%+1.3pp |
| Employer contribution / active EE | $2,790 | $3,065-9.0% | $4,736-41.1% | $2,177+28.2% |
| Participant deferral / active EE | $8,232 | $5,691+44.7% | $6,710+22.7% | $3,514+134.3% |
| Admin fee / account holder | $330 | $569-42.0% | $10,263-96.8% | $847-61.1% |