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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE Service code 15 · EIN 01-0233346 | Recordkeeping | $574 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $82,418 | $67,703+21.7% | $127,803-35.5% | $65,185+26.4% |
| Participation rate | 54.5% | 74.5%-20.0pp | 79.0%-24.5pp | 70.2%-15.7pp |
| Annual return | 19.87% | 24.36%-4.5pp | 26.14%-6.3pp | 29.38%-9.5pp |
| Employer contribution / active EE | $951 | $3,724-74.5% | $4,576-79.2% | $2,177-56.3% |
| Participant deferral / active EE | $3,567 | $4,787-25.5% | $6,023-40.8% | $3,514+1.5% |
| Admin fee / account holder | $20 | $618-96.8% | $9,399-99.8% | $847-97.7% |