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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 | $45,312+84.9% | $86,233-2.8% | $67,986+23.2% |
| Participation rate | 50.0% | 42.4%+7.6pp | 69.0%-19.0pp | 57.2%-7.2pp |
| Annual return | 15.21% | 24.79%-9.6pp | 61.39%-46.2pp | 31.67%-16.5pp |
| Employer contribution / active EE | $2,381 | $1,160+105.4% | $2,504-4.9% | $2,019+18.0% |
| Participant deferral / active EE | $317 | $2,185-85.5% | $4,559-93.0% | $3,358-90.6% |
| Admin fee / account holder | $501 | $3,295-84.8% | $8,342-94.0% | $3,203-84.3% |