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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO USA Service code 15 | Recordkeeping | $1,425 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,645 | $54,717-42.2% | $86,209-63.3% | $71,495-55.7% |
| Participation rate | 51.3% | 60.1%-8.8pp | 69.0%-17.7pp | 67.9%-16.7pp |
| Annual return | 19.29% | 20.07%-0.8pp | 1169.05%-1149.8pp | 28.85%-9.6pp |
| Employer contribution / active EE | $858 | $1,267-32.3% | $2,381-64.0% | $2,589-66.9% |
| Participant deferral / active EE | $2,539 | $3,110-18.4% | $3,986-36.3% | $4,291-40.8% |
| Admin fee / account holder | $33 | $1,922-98.3% | $6,853-99.5% | $1,588-97.9% |