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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 | $54,297+54.3% | $97,032-13.6% | $65,306+28.3% |
| Participation rate | 50.0% | 42.3%+7.7pp | 71.6%-21.6pp | 57.7%-7.7pp |
| Annual return | 15.21% | 21.17%-6.0pp | 35.38%-20.2pp | 21.94%-6.7pp |
| Employer contribution / active EE | $2,381 | $1,365+74.4% | $2,629-9.4% | $1,967+21.0% |
| Participant deferral / active EE | $317 | $2,259-86.0% | $4,672-93.2% | $2,959-89.3% |
| Admin fee / account holder | $501 | $3,744-86.6% | $9,418-94.7% | $3,480-85.6% |