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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $175 |
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 | $48,283 | $58,726-17.8% | $92,240-47.7% | $62,293-22.5% |
| Participation rate | 46.1% | 68.3%-22.2pp | 76.5%-30.4pp | 69.5%-23.4pp |
| Annual return | 11.90% | 43.62%-31.7pp | 176.29%-164.4pp | 28.90%-17.0pp |
| Employer contribution / active EE | $617 | $2,392-74.2% | $3,680-83.2% | $2,042-69.8% |
| Participant deferral / active EE | $2,165 | $2,766-21.7% | $3,897-44.5% | $3,169-31.7% |
| Admin fee / account holder | $12 | $556-97.8% | $5,194-99.8% | $479-97.5% |