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| Provider | Service type | Compensation |
|---|---|---|
Service code 10 · EIN 59-3560915 | Accounting | $13,730 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO.USA Service code 15 · EIN 01-0233346 | Recordkeeping | $1,518 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $124,640 | $104,482+19.3% | $159,455-21.8% | $79,393+57.0% |
| Participation rate | 100.0% | 76.6%+23.4pp | 82.8%+17.2pp | 70.7%+29.3pp |
| Annual return | 11.58% | 67.96%-56.4pp | 263.63%-252.0pp | 116.87%-105.3pp |
| Employer contribution / active EE | $3,384 | $3,416-0.9% | $4,830-29.9% | $2,428+39.4% |
| Participant deferral / active EE | $3,507 | $6,467-45.8% | $7,353-52.3% | $4,046-13.3% |
| Admin fee / account holder | $531 | $711-25.4% | $10,800-95.1% | $627-15.3% |