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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO Service code 15 · EIN 01-0233346 | Recordkeeping | $4,293 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $36,501 | $76,696-52.4% | $96,538-62.2% | $71,529-49.0% |
| Participation rate | 68.4% | 66.6%+1.8pp | 74.3%-6.0pp | 67.9%+0.4pp |
| Annual return | 17.01% | 48.32%-31.3pp | 35.74%-18.7pp | 28.97%-12.0pp |
| Employer contribution / active EE | $2,019 | $3,032-33.4% | $3,740-46.0% | $2,590-22.1% |
| Participant deferral / active EE | $3,858 | $3,770+2.3% | $4,880-21.0% | $4,291-10.1% |
| Admin fee / account holder | $381 | $2,030-81.2% | $6,737-94.3% | $1,588-76.0% |