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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $100 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $18,928 | $65,125-70.9% | $143,797-86.8% | $66,949-71.7% |
| Participation rate | 35.1% | 65.2%-30.1pp | 80.3%-45.2pp | 69.8%-34.7pp |
| Annual return | -18.48% | -11.13%-7.3pp | -0.04%-18.4pp | 1.57%-20.0pp |
| Employer contribution / active EE | $0 | $2,362-100.0% | $4,952-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,073 | $2,920-63.3% | $5,638-81.0% | $4,239-74.7% |
| Admin fee / account holder | $309 | $503-38.6% | $14,679-97.9% | $594-48.0% |