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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $1,142 |
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 | $77,791 | $50,458+54.2% | $160,009-51.4% | $64,819+20.0% |
| Participation rate | 25.4% | 68.0%-42.7pp | 78.0%-52.6pp | 71.5%-46.1pp |
| Annual return | 17.74% | -13.42%+31.2pp | 408.85%-391.1pp | 32.84%-15.1pp |
| Employer contribution / active EE | $0 | $1,722-100.0% | $4,225-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $1,407 | $4,004-64.9% | $6,183-77.3% | $4,311-67.4% |
| Admin fee / account holder | $438 | $706-37.9% | $8,715-95.0% | $188+133.3% |