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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 | $294 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $83,789 | $48,050+74.4% | $96,754-13.4% | $64,340+30.2% |
| Participation rate | 50.0% | 40.6%+9.4pp | 70.3%-20.3pp | 55.2%-5.2pp |
| Annual return | 15.21% | 23.41%-8.2pp | 82.04%-66.8pp | 24.14%-8.9pp |
| Employer contribution / active EE | $2,381 | $1,204+97.8% | $2,679-11.1% | $1,862+27.9% |
| Participant deferral / active EE | $317 | $2,191-85.5% | $4,758-93.3% | $2,980-89.4% |
| Admin fee / account holder | $501 | $3,741-86.6% | $8,905-94.4% | $3,703-86.5% |