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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $158 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $37,565 | $42,772-12.2% | $87,502-57.1% | $55,167-31.9% |
| Participation rate | 19.0% | 66.5%-47.5pp | 73.8%-54.9pp | 69.0%-50.0pp |
| Annual return | 12.88% | 21.20%-8.3pp | 12.21%+0.7pp | 169.23%-156.3pp |
| Employer contribution / active EE | $417 | $1,277-67.4% | $2,550-83.7% | $1,963-78.8% |
| Participant deferral / active EE | $841 | $2,342-64.1% | $3,149-73.3% | $3,054-72.4% |
| Admin fee / account holder | $428 | $461-7.1% | $4,221-89.9% | $504-15.0% |