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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURACE CO.(USA) Service code 15 · EIN 01-0233346 | Recordkeeping | $722 |
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.
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 | $23,089 | $44,873-48.5% | $79,466-70.9% | $56,287-59.0% |
| Participation rate | 59.5% | 68.7%-9.2pp | 73.3%-13.8pp | 69.9%-10.3pp |
| Annual return | -8.46% | 0.81%-9.3pp | 718.28%-726.7pp | -9.96%+1.5pp |
| Employer contribution / active EE | $764 | $2,140-64.3% | $2,800-72.7% | $2,111-63.8% |
| Participant deferral / active EE | $1,381 | $2,746-49.7% | $3,704-62.7% | $3,350-58.8% |
| Admin fee / account holder | $315 | $418-24.6% | $5,104-93.8% | $521-39.5% |