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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO. USA Service code 15 · EIN 01-0233346 | Recordkeeping | $726 |
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.)
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 | $62,067 | $51,466+20.6% | $78,778-21.2% | $62,293-0.4% |
| Participation rate | 36.9% | 59.8%-22.9pp | 69.2%-32.3pp | 69.5%-32.6pp |
| Annual return | 16.56% | 19.96%-3.4pp | 35.62%-19.1pp | 28.90%-12.3pp |
| Employer contribution / active EE | $0 | $827-100.0% | $1,986-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,757 | $2,147-18.2% | $2,958-40.6% | $3,169-44.5% |
| Admin fee / account holder | $402 | $489-17.9% | $5,134-92.2% | $479-16.2% |