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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $130 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $13,283 | $46,732-71.6% | $156,551-91.5% | $55,167-75.9% |
| Participation rate | 69.0% | 65.8%+3.3pp | 84.0%-15.0pp | 69.0%+0.1pp |
| Annual return | 5.88% | 17.72%-11.8pp | 32.23%-26.3pp | 169.23%-163.4pp |
| Employer contribution / active EE | $245 | $2,105-88.4% | $5,501-95.6% | $1,963-87.5% |
| Participant deferral / active EE | $1,213 | $2,204-45.0% | $4,871-75.1% | $3,054-60.3% |
| Admin fee / account holder | $20 | $418-95.2% | $13,028-99.8% | $504-96.0% |