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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS CO, U.S.A. Service code 15 · EIN 01-0233346 | Recordkeeping | $91 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,176 | $70,917-85.7% | $98,916-89.7% | $73,493-86.2% |
| Participation rate | 56.7% | 73.8%-17.1pp | 76.0%-19.4pp | 70.7%-14.0pp |
| Annual return | 207.22% | 34.18%+173.0pp | 196.45%+10.8pp | 28.51%+178.7pp |
| Employer contribution / active EE | $1,425 | $2,037-30.1% | $2,689-47.0% | $2,270-37.2% |
| Participant deferral / active EE | $2,072 | $3,501-40.8% | $4,245-51.2% | $3,740-44.6% |
| Admin fee / account holder | $79 | $535-85.2% | $6,642-98.8% | $513-84.6% |