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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 01-0233346 | Recordkeeping | $992 |
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.
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 | $23,632 | $44,897-47.4% | $85,009-72.2% | $199,768-88.2% |
| Participation rate | 2.0% | 45.7%-43.7pp | 67.5%-65.5pp | 72.0%-70.0pp |
| Annual return | 11.92% | 20.96%-9.0pp | 66.47%-54.5pp | 34.26%-22.3pp |
| Employer contribution / active EE | $0 | $1,365-100.0% | $2,728-100.0% | $3,037-100.0% |
| Participant deferral / active EE | $86 | $2,668-96.8% | $4,522-98.1% | $5,090-98.3% |
| Admin fee / account holder | $239 | $584-59.1% | $6,153-96.1% | $269-11.3% |