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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS. COMP. Service code 15 · EIN 01-0233346 | Recordkeeping | $923 |
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).
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 | $35,714 | $100,801-64.6% | $149,730-76.1% | $73,412-51.4% |
| Participation rate | 56.8% | 77.7%-20.9pp | 82.5%-25.7pp | 72.2%-15.4pp |
| Annual return | 22.54% | 265.34%-242.8pp | 276.70%-254.2pp | 59.30%-36.8pp |
| Employer contribution / active EE | $1,737 | $3,312-47.5% | $4,645-62.6% | $2,234-22.2% |
| Participant deferral / active EE | $5,230 | $6,404-18.3% | $6,843-23.6% | $3,806+37.4% |
| Admin fee / account holder | $315 | $181+74.4% | $9,310-96.6% | $158+99.7% |