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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $320 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,974 | $55,470-20.7% | $155,556-71.7% | $74,478-41.0% |
| Participation rate | 36.4% | 61.9%-25.5pp | 78.2%-41.9pp | 67.2%-30.9pp |
| Annual return | 12.19% | 269.80%-257.6pp | 64.84%-52.6pp | 1370.56%-1358.4pp |
| Employer contribution / active EE | $270 | $2,267-88.1% | $4,675-94.2% | $2,626-89.7% |
| Participant deferral / active EE | $1,943 | $2,838-31.6% | $5,631-65.5% | $4,350-55.3% |
| Admin fee / account holder | $321 | $1,744-81.6% | $15,885-98.0% | $1,946-83.5% |