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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 | $38,165-39.0% | $189,758-87.7% | $69,255-66.4% |
| Participation rate | 65.0% | 66.7%-1.7pp | 79.8%-14.8pp | 69.0%-4.0pp |
| Annual return | 9.89% | 14.65%-4.8pp | 52.62%-42.7pp | 26.73%-16.8pp |
| Employer contribution / active EE | $0 | $1,589-100.0% | $4,767-100.0% | $2,645-100.0% |
| Participant deferral / active EE | $1,287 | $2,073-37.9% | $5,856-78.0% | $2,890-55.5% |
| Admin fee / account holder | $306 | $714-57.2% | $20,388-98.5% | $733-58.3% |