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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS CO Service code 15 · EIN 01-0233346 | Recordkeeping | $1,654 |
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.)
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 | $48,551 | $49,138-1.2% | $84,020-42.2% | $65,185-25.5% |
| Participation rate | 45.3% | 60.7%-15.5pp | 69.0%-23.7pp | 70.2%-24.9pp |
| Annual return | 23.01% | 23.00%0pp | 71.31%-48.3pp | 29.38%-6.4pp |
| Employer contribution / active EE | $1,201 | $914+31.4% | $1,984-39.4% | $2,177-44.8% |
| Participant deferral / active EE | $2,069 | $2,397-13.7% | $3,239-36.1% | $3,514-41.1% |
| Admin fee / account holder | $514 | $543-5.5% | $6,101-91.6% | $847-39.4% |