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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0577649 45946 CORTE CARMELLO · TEMECULA, CA 92592 | Recordkeeping | $7,303 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO USA Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 14201 | Recordkeeping | $3,777 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,443 | $65,437-38.2% | $86,698-53.4% | $66,949-39.6% |
| Participation rate | 64.3% | 75.5%-11.2pp | 76.6%-12.3pp | 69.8%-5.5pp |
| Annual return | -8.62% | -10.91%+2.3pp | 35.96%-44.6pp | 1.57%-10.2pp |
| Employer contribution / active EE | $2,083 | $2,154-3.3% | $2,837-26.6% | $2,545-18.2% |
| Participant deferral / active EE | $3,636 | $4,102-11.4% | $4,656-21.9% | $4,239-14.2% |
| Admin fee / account holder | $413 | $642-35.6% | $7,492-94.5% | $594-30.4% |