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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO Service code 15 · EIN 01-0233346 | Recordkeeping | $27,390 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,780 | $61,166-36.6% | $185,837-79.1% | $79,393-51.2% |
| Participation rate | 52.3% | 66.6%-14.3pp | 81.7%-29.4pp | 70.7%-18.4pp |
| Annual return | 12.78% | 19.45%-6.7pp | 122.08%-109.3pp | 116.87%-104.1pp |
| Employer contribution / active EE | $1,269 | $2,321-45.3% | $5,168-75.4% | $2,428-47.7% |
| Participant deferral / active EE | $1,767 | $2,789-36.6% | $5,568-68.3% | $4,046-56.3% |
| Admin fee / account holder | $342 | $710-51.8% | $16,241-97.9% | $627-45.4% |