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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO(USA) Service code 15 · EIN 01-0233346 | Recordkeeping | $1,242 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $10,543 | $37,196-71.7% | $154,111-93.2% | $55,725-81.1% |
| Participation rate | 53.2% | 64.1%-10.9pp | 83.0%-29.8pp | 70.9%-17.6pp |
| Annual return | -8.94% | 1319.68%-1328.6pp | 735.18%-744.1pp | 244.93%-253.9pp |
| Employer contribution / active EE | $617 | $1,614-61.8% | $5,298-88.3% | $2,078-70.3% |
| Participant deferral / active EE | $1,529 | $2,068-26.1% | $5,081-69.9% | $3,356-54.4% |
| Admin fee / account holder | $6 | $102-94.0% | $13,411-100.0% | $115-94.7% |