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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE USA Service code 15 · EIN 01-0233346 | Recordkeeping | $410 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $40,681 | $51,466-21.0% | $78,778-48.4% | $62,293-34.7% |
| Participation rate | 62.6% | 59.8%+2.8pp | 69.2%-6.6pp | 69.5%-7.0pp |
| Annual return | 16.05% | 19.96%-3.9pp | 35.62%-19.6pp | 28.90%-12.8pp |
| Employer contribution / active EE | $182 | $827-77.9% | $1,986-90.8% | $2,042-91.1% |
| Participant deferral / active EE | $3,032 | $2,147+41.2% | $2,958+2.5% | $3,169-4.3% |
| Admin fee / account holder | $181 | $489-63.1% | $5,134-96.5% | $479-62.3% |