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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $27,276 |
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 | $53,822 | $57,108-5.8% | $94,229-42.9% | $52,331+2.8% |
| Participation rate | 43.1% | 72.9%-29.8pp | 78.8%-35.7pp | 68.1%-25.0pp |
| Annual return | -0.46% | 1.47%-1.9pp | 10.68%-11.1pp | 4.54%-5.0pp |
| Employer contribution / active EE | $974 | $1,735-43.9% | $3,587-72.8% | $1,882-48.2% |
| Participant deferral / active EE | $1,628 | $3,040-46.5% | $4,320-62.3% | $3,022-46.1% |
| Admin fee / account holder | $329 | $546-39.8% | $6,269-94.8% | $592-44.4% |