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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO. USA Service code 15 · EIN 01-0233346 | Recordkeeping | $698 |
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 | $89,576 | $54,573+64.1% | $90,970-1.5% | $73,497+21.9% |
| Participation rate | 37.3% | 61.2%-23.9pp | 69.0%-31.8pp | 70.7%-33.4pp |
| Annual return | 19.65% | 16.69%+3.0pp | 134.60%-114.9pp | 28.51%-8.9pp |
| Employer contribution / active EE | $0 | $991-100.0% | $2,122-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,174 | $2,517-13.6% | $3,373-35.6% | $3,740-41.9% |
| Admin fee / account holder | $452 | $521-13.3% | $5,961-92.4% | $513-11.9% |