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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO Service code 15 · EIN 01-0233346 | Recordkeeping | $1,154 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $9,841,432 | $48,064+20375.6% | $78,778+12392.7% | $69,631+14033.7% |
| Participation rate | 0.0% | 61.6%-61.6pp | 69.2%-69.2pp | 70.7%-70.7pp |
| Annual return | 12.42% | 21.81%-9.4pp | 35.62%-23.2pp | 27571.02%-27558.6pp |
| Employer contribution / active EE | $2,304 | $744+209.8% | $1,986+16.0% | $2,032+13.4% |
| Participant deferral / active EE | $2,575 | $2,079+23.8% | $2,958-13.0% | $3,224-20.1% |
| Admin fee / account holder | $55,007 | $152+36089.8% | $5,134+971.5% | $110+49708.8% |