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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $138 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,969 | $64,501-25.6% | $108,753-55.9% | $65,306-26.5% |
| Participation rate | 31.2% | 50.8%-19.6pp | 71.1%-39.9pp | 57.7%-26.5pp |
| Annual return | 9.58% | 21.09%-11.5pp | 37.47%-27.9pp | 21.94%-12.4pp |
| Employer contribution / active EE | $205 | $1,069-80.8% | $2,427-91.5% | $1,967-89.6% |
| Participant deferral / active EE | $2,209 | $2,401-8.0% | $4,115-46.3% | $2,959-25.3% |
| Admin fee / account holder | $308 | $4,971-93.8% | $10,320-97.0% | $3,480-91.1% |