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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO Service code 15 · EIN 01-0233346 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $40,289 | $58,726-31.4% | $92,240-56.3% | $62,293-35.3% |
| Participation rate | 33.5% | 68.3%-34.8pp | 76.5%-43.0pp | 69.5%-36.0pp |
| Annual return | 12.23% | 43.62%-31.4pp | 176.29%-164.1pp | 28.90%-16.7pp |
| Employer contribution / active EE | $618 | $2,392-74.2% | $3,680-83.2% | $2,042-69.7% |
| Participant deferral / active EE | $1,533 | $2,766-44.6% | $3,897-60.7% | $3,169-51.6% |
| Admin fee / account holder | $26 | $556-95.4% | $5,194-99.5% | $479-94.7% |