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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $1,230 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $20,790 | $56,640-63.3% | $78,002-73.3% | $55,167-62.3% |
| Participation rate | 57.8% | 73.3%-15.5pp | 75.5%-17.7pp | 69.0%-11.2pp |
| Annual return | 7.08% | 2868.48%-2861.4pp | 425.99%-418.9pp | 169.23%-162.1pp |
| Employer contribution / active EE | $388 | $1,724-77.5% | $2,470-84.3% | $1,963-80.2% |
| Participant deferral / active EE | $1,169 | $2,778-57.9% | $3,497-66.6% | $3,054-61.7% |
| Admin fee / account holder | $24 | $467-94.8% | $5,481-99.6% | $504-95.1% |