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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS CO Service code 15 · EIN 01-0233346 | Recordkeeping | $1,012 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $37,014 | $51,466-28.1% | $78,778-53.0% | $62,293-40.6% |
| Participation rate | 42.2% | 59.8%-17.6pp | 69.2%-27.0pp | 69.5%-27.3pp |
| Annual return | 17.98% | 19.96%-2.0pp | 35.62%-17.6pp | 28.90%-10.9pp |
| Employer contribution / active EE | $1,077 | $827+30.2% | $1,986-45.8% | $2,042-47.3% |
| Participant deferral / active EE | $1,841 | $2,147-14.3% | $2,958-37.8% | $3,169-41.9% |
| Admin fee / account holder | $402 | $489-17.7% | $5,134-92.2% | $479-16.0% |