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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 | $64,010-25.1% | $108,359-55.7% | $64,340-25.4% |
| Participation rate | 31.2% | 49.4%-18.2pp | 70.1%-38.9pp | 55.2%-24.1pp |
| Annual return | 9.58% | 19.74%-10.2pp | 36.89%-27.3pp | 24.14%-14.6pp |
| Employer contribution / active EE | $205 | $1,029-80.0% | $2,399-91.4% | $1,862-89.0% |
| Participant deferral / active EE | $2,209 | $2,395-7.8% | $4,137-46.6% | $2,980-25.9% |
| Admin fee / account holder | $308 | $4,885-93.7% | $9,741-96.8% | $3,703-91.7% |