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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Filed as: JOHN HANCOCK LIFE INSURANCE CO. Service code 15 · EIN 01-0233346 | Recordkeeping | $38,650 |
Filed as: ONEDIGITAL INVESTMENT ADVISORS Service code 26 · EIN 43-1451524 | Advisory (Participants) | $14,376 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,035 | $87,465-48.5% | $122,979-63.4% | $65,306-31.0% |
| Participation rate | 66.3% | 66.0%+0.3pp | 77.2%-10.8pp | 57.7%+8.7pp |
| Annual return | 10.77% | 19.76%-9.0pp | 20.12%-9.3pp | 21.94%-11.2pp |
| Employer contribution / active EE | $942 | $2,156-56.3% | $3,062-69.2% | $1,967-52.1% |
| Participant deferral / active EE | $2,299 | $3,705-38.0% | $5,003-54.0% | $2,959-22.3% |
| Admin fee / account holder | $325 | $5,100-93.6% | $12,864-97.5% | $3,480-90.7% |