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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $50 |
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.)
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 | $57,038 | $63,114-9.6% | $92,909-38.6% | $65,185-12.5% |
| Participation rate | 38.4% | 68.8%-30.4pp | 76.0%-37.6pp | 70.2%-31.8pp |
| Annual return | 19.09% | 28.75%-9.7pp | 109.44%-90.3pp | 29.38%-10.3pp |
| Employer contribution / active EE | $573 | $2,571-77.7% | $3,653-84.3% | $2,177-73.7% |
| Participant deferral / active EE | $2,033 | $3,108-34.6% | $4,238-52.0% | $3,514-42.2% |
| Admin fee / account holder | $369 | $624-40.8% | $5,795-93.6% | $847-56.4% |