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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY11+ years Service code 15 · EIN 01-0233346 | Recordkeeping | $706 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,728 | $79,471-43.7% | $112,040-60.1% | - |
| Participation rate | 47.5% | 71.4%-23.9pp | 76.5%-29.0pp | - |
| Annual return | 13.34% | 14.66%-1.3pp | 24.52%-11.2pp | - |
| Employer contribution / active EE | $690 | $2,224-69.0% | $2,954-76.6% | - |
| Participant deferral / active EE | $3,893 | $4,552-14.5% | $5,098-23.6% | - |
| Admin fee / account holder | $263 | $4,544-94.2% | $12,098-97.8% | - |