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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO. USA Service code 15 · EIN 01-0233346 | Recordkeeping | $922 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $39,454 | $54,590-27.7% | $81,926-51.8% | $73,493-46.3% |
| Participation rate | 31.5% | 68.3%-36.8pp | 72.0%-40.5pp | 70.7%-39.2pp |
| Annual return | 14.43% | 17.74%-3.3pp | 29.49%-15.1pp | 28.51%-14.1pp |
| Employer contribution / active EE | $130 | $1,636-92.1% | $4,310-97.0% | $2,270-94.3% |
| Participant deferral / active EE | $1,299 | $2,759-52.9% | $7,108-81.7% | $3,740-65.3% |
| Admin fee / account holder | $384 | $592-35.1% | $5,159-92.6% | $513-25.2% |