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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO USA Service code 37 · EIN 01-0233346 | Loan Processing | $15,784 |
Service code 15 · EIN 76-0188119 | Recordkeeping | $650 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
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 | $33,063 | $44,714-26.1% | $91,227-63.8% | $66,949-50.6% |
| Participation rate | 28.1% | 65.0%-36.9pp | 73.2%-45.0pp | 69.8%-41.7pp |
| Annual return | -17.02% | -12.25%-4.8pp | 114.14%-131.2pp | 1.57%-18.6pp |
| Employer contribution / active EE | $502 | $1,710-70.7% | $2,851-82.4% | $2,545-80.3% |
| Participant deferral / active EE | $829 | $3,355-75.3% | $4,234-80.4% | $4,239-80.4% |
| Admin fee / account holder | $322 | $521-38.2% | $5,423-94.1% | $594-45.7% |