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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $5,076 |
Service code 26 · EIN 27-3849675 | Advisory (Participants) | $0 |
Filed as: WILSHIRE ASSOCIATES INC Service code 26 | Advisory (Participants) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.
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 | $57,785 | $89,465-35.4% | $165,100-65.0% | $77,762-25.7% |
| Participation rate | 51.6% | 78.6%-27.1pp | 78.6%-27.1pp | 70.6%-19.0pp |
| Annual return | 10.86% | 28.86%-18.0pp | 70.21%-59.4pp | 31.27%-20.4pp |
| Employer contribution / active EE | $1,556 | $2,565-39.3% | $4,348-64.2% | $2,728-43.0% |
| Participant deferral / active EE | $2,751 | $4,904-43.9% | $6,035-54.4% | $4,651-40.9% |
| Admin fee / account holder | $348 | $340+2.3% | $12,696-97.3% | $433-19.7% |