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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $294 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $45,397 | $30,437+49.1% | $56,033-19.0% | $74,459-39.0% |
| Participation rate | 47.4% | 32.9%+14.6pp | 52.5%-5.0pp | 67.2%-19.8pp |
| Annual return | 8.25% | 24.96%-16.7pp | 1711.38%-1703.1pp | 1369.70%-1361.4pp |
| Employer contribution / active EE | $317 | $610-48.0% | $1,041-69.6% | $2,626-87.9% |
| Participant deferral / active EE | $1,624 | $1,176+38.1% | $1,954-16.9% | $4,350-62.7% |
| Admin fee / account holder | $319 | $2,363-86.5% | $2,827-88.7% | $1,945-83.6% |