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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $517 |
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.)
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 | $35,750 | $64,176-44.3% | $112,263-68.2% | $66,949-46.6% |
| Participation rate | 37.6% | 68.4%-30.8pp | 75.1%-37.4pp | 69.8%-32.2pp |
| Annual return | -17.05% | -13.80%-3.3pp | 27.49%-44.5pp | 1.57%-18.6pp |
| Employer contribution / active EE | $338 | $3,007-88.8% | $3,636-90.7% | $2,545-86.7% |
| Participant deferral / active EE | $1,932 | $3,694-47.7% | $4,729-59.1% | $4,239-54.4% |
| Admin fee / account holder | $361 | $626-42.4% | $6,410-94.4% | $594-39.2% |