Filed February 6, 2026
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK INSURANCE COMPANY (USA Service code 15 · EIN 01-0233346 | Recordkeeping | $34,019 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $71,337 | $44,984+58.6% | $85,009-16.1% | $74,546-4.3% |
| Participation rate | 63.9% | 49.4%+14.5pp | 67.5%-3.6pp | 67.2%-3.3pp |
| Annual return | 14.30% | 26.25%-12.0pp | 66.47%-52.2pp | 1366.03%-1351.7pp |
| Employer contribution / active EE | $1,420 | $1,458-2.6% | $2,728-48.0% | $2,624-45.9% |
| Participant deferral / active EE | $4,256 | $2,733+55.7% | $4,522-5.9% | $4,347-2.1% |
| Admin fee / account holder | $227 | $2,208-89.7% | $6,153-96.3% | $1,944-88.3% |