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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK INSURANCE CO. USA Service code 15 · EIN 01-0233346 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $18,627 | $42,546-56.2% | $71,796-74.1% | $55,167-66.2% |
| Participation rate | 39.0% | 59.1%-20.1pp | 69.1%-30.1pp | 69.0%-30.0pp |
| Annual return | 8.21% | 12.36%-4.2pp | 78.04%-69.8pp | 169.23%-161.0pp |
| Employer contribution / active EE | $368 | $803-54.1% | $1,924-80.9% | $1,963-81.2% |
| Participant deferral / active EE | $1,072 | $2,064-48.1% | $2,794-61.6% | $3,054-64.9% |
| Admin fee / account holder | $22 | $650-96.6% | $4,815-99.5% | $504-95.6% |