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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 01-0233346 | Recordkeeping | $0 |
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.)
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 | $50,557 | $54,245-6.8% | $93,727-46.1% | $77,762-35.0% |
| Participation rate | 38.6% | 63.9%-25.3pp | 68.7%-30.1pp | 70.6%-32.0pp |
| Annual return | 12.76% | 30.58%-17.8pp | 133.83%-121.1pp | 31.27%-18.5pp |
| Employer contribution / active EE | $505 | $1,168-56.7% | $2,421-79.1% | $2,728-81.5% |
| Participant deferral / active EE | $1,736 | $3,144-44.8% | $4,417-60.7% | $4,651-62.7% |
| Admin fee / account holder | $356 | $575-38.1% | $8,292-95.7% | $433-17.7% |