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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURNCE COMPANY Service code 15 · EIN 01-0233346 | Recordkeeping | $864 |
Filed as: JOHN HANCOCK LIFE INSURANCE Service code 15 · EIN 01-0233346 | Recordkeeping | $0 |
Participant 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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $39,368 | $79,523-50.5% | $140,019-71.9% | $56,289-30.1% |
| Participation rate | 100.0% | 85.7%+14.3pp | 87.5%+12.5pp | 69.9%+30.1pp |
| Annual return | -3.39% | 2.39%-5.8pp | 651.17%-654.6pp | -9.96%+6.6pp |
| Employer contribution / active EE | $2,351 | $3,350-29.8% | $5,605-58.1% | $2,111+11.4% |
| Participant deferral / active EE | $1,612 | $5,129-68.6% | $6,927-76.7% | $3,350-51.9% |
| Admin fee / account holder | $414 | $614-32.5% | $10,705-96.1% | $521-20.4% |