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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $41,509 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $23,489 | $47,163-50.2% | $149,696-84.3% | $74,460-68.5% |
| Participation rate | 32.9% | 63.4%-30.5pp | 78.8%-45.9pp | 70.7%-37.8pp |
| Annual return | 14.22% | 22.75%-8.5pp | 134.46%-120.2pp | 34.38%-20.2pp |
| Employer contribution / active EE | $119 | $1,907-93.8% | $4,821-97.5% | $2,638-95.5% |
| Participant deferral / active EE | $1,219 | $2,730-55.3% | $5,682-78.5% | $4,530-73.1% |
| Admin fee / account holder | $233 | $343-32.0% | $13,212-98.2% | $348-32.9% |