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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY11+ years Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $3,605 |
Service code 26 · EIN 45-3686413 | Advisory (Participants) | $0 |
Service code 26 · EIN 27-3849675 | Advisory (Participants) | $0 |
Filed as: WILSHIRE ASSOCIATES INC Service code 26 · EIN 95-2755361 | Advisory (Participants) | $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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $86,988 | $116,081-25.1% | $156,181-44.3% | $79,634+9.2% |
| Participation rate | 47.0% | 75.6%-28.5pp | 78.8%-31.8pp | 62.5%-15.4pp |
| Annual return | 18.28% | 15.89%+2.4pp | 64.87%-46.6pp | 36.46%-18.2pp |
| Employer contribution / active EE | $1,536 | $2,828-45.7% | $4,294-64.2% | $2,529-39.3% |
| Participant deferral / active EE | $2,823 | $4,584-38.4% | $6,132-54.0% | $3,835-26.4% |
| Admin fee / account holder | $448 | $854-47.6% | $14,586-96.9% | $1,002-55.3% |