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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $716 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,953 | $37,044+37.5% | $71,796-29.0% | $57,658-11.6% |
| Participation rate | 38.9% | 61.1%-22.2pp | 69.1%-30.2pp | 70.2%-31.3pp |
| Annual return | 6.17% | 12.64%-6.5pp | 78.04%-71.9pp | 5.13%+1.0pp |
| Employer contribution / active EE | $275 | $720-61.8% | $1,924-85.7% | $1,974-86.1% |
| Participant deferral / active EE | $1,527 | $1,974-22.7% | $2,794-45.4% | $3,061-50.1% |
| Admin fee / account holder | $40 | $101-60.8% | $4,815-99.2% | $95-58.1% |