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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS. CO Service code 15 · EIN 01-0233346 | Recordkeeping | $0 |
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).
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 | $86,326 | $64,729+33.4% | $112,263-23.1% | $68,490+26.0% |
| Participation rate | 66.0% | 67.2%-1.2pp | 75.1%-9.1pp | 67.9%-1.9pp |
| Annual return | 2.59% | -11.40%+14.0pp | 27.49%-24.9pp | -7.85%+10.4pp |
| Employer contribution / active EE | $1,275 | $2,746-53.6% | $3,636-64.9% | $2,597-50.9% |
| Participant deferral / active EE | $4,439 | $3,566+24.5% | $4,729-6.1% | $4,028+10.2% |
| Admin fee / account holder | $427 | $5,222-91.8% | $6,410-93.3% | $5,403-92.1% |