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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 76-0188119 | Loan Processing | $1,500 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $1,028 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $61,130 | $73,102-16.4% | $123,552-50.5% | $56,287+8.6% |
| Participation rate | 57.0% | 74.3%-17.3pp | 82.3%-25.3pp | 69.9%-12.9pp |
| Annual return | -7.76% | 3.01%-10.8pp | 119.20%-127.0pp | -9.96%+2.2pp |
| Employer contribution / active EE | $0 | $2,977-100.0% | $4,628-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $2,827 | $5,423-47.9% | $6,426-56.0% | $3,350-15.6% |
| Admin fee / account holder | $884 | $554+59.6% | $9,285-90.5% | $521+69.7% |