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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $13,112 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,281 | $42,909-45.7% | $152,093-84.7% | $71,012-67.2% |
| Participation rate | 65.0% | 54.7%+10.4pp | 77.8%-12.7pp | 58.6%+6.5pp |
| Annual return | 9.89% | 30.57%-20.7pp | 66.36%-56.5pp | 37.67%-27.8pp |
| Employer contribution / active EE | $0 | $1,369-100.0% | $4,175-100.0% | $2,348-100.0% |
| Participant deferral / active EE | $1,287 | $1,904-32.4% | $5,451-76.4% | $3,246-60.4% |
| Admin fee / account holder | $306 | $1,014-69.8% | $14,497-97.9% | $1,167-73.8% |