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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 | $36,002-35.3% | $161,489-85.6% | $64,728-64.0% |
| Participation rate | 65.0% | 57.4%+7.6pp | 78.7%-13.7pp | 57.9%+7.1pp |
| Annual return | 9.89% | 33.93%-24.0pp | 89.72%-79.8pp | 49.38%-39.5pp |
| Employer contribution / active EE | $0 | $1,380-100.0% | $4,268-100.0% | $2,243-100.0% |
| Participant deferral / active EE | $1,287 | $1,815-29.1% | $5,630-77.1% | $2,729-52.8% |
| Admin fee / account holder | $306 | $931-67.1% | $16,006-98.1% | $1,145-73.3% |