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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $431 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,619 | $78,670-47.1% | $109,173-61.9% | $85,847-51.5% |
| Participation rate | 44.7% | 68.3%-23.6pp | 75.9%-31.2pp | 69.3%-24.6pp |
| Annual return | 10.19% | 25.09%-14.9pp | 25.75%-15.6pp | 318.61%-308.4pp |
| Employer contribution / active EE | $347 | $2,734-87.3% | $3,723-90.7% | $2,565-86.5% |
| Participant deferral / active EE | $2,372 | $3,467-31.6% | $4,654-49.0% | $3,952-40.0% |
| Admin fee / account holder | $380 | $5,469-93.0% | $6,755-94.4% | $6,261-93.9% |