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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE USA Service code 15 · EIN 01-0233346 | Recordkeeping | $86 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,646 | $42,546+4.9% | $71,796-37.8% | $55,167-19.1% |
| Participation rate | 25.2% | 59.1%-33.9pp | 69.1%-43.9pp | 69.0%-43.7pp |
| Annual return | 2.37% | 12.36%-10.0pp | 78.04%-75.7pp | 169.23%-166.9pp |
| Employer contribution / active EE | $0 | $803-100.0% | $1,924-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,967 | $2,064-4.7% | $2,794-29.6% | $3,054-35.6% |
| Admin fee / account holder | $319 | $650-51.0% | $4,815-93.4% | $504-36.8% |