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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $654 |
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 | $21,493 | $61,172-64.9% | $185,851-88.4% | $79,389-72.9% |
| Participation rate | 34.3% | 66.6%-32.4pp | 81.7%-47.5pp | 70.7%-36.5pp |
| Annual return | 11.79% | 19.45%-7.7pp | 122.11%-110.3pp | 116.89%-105.1pp |
| Employer contribution / active EE | $0 | $2,321-100.0% | $5,168-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $974 | $2,788-65.0% | $5,569-82.5% | $4,046-75.9% |
| Admin fee / account holder | $370 | $710-47.9% | $16,245-97.7% | $626-41.0% |