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| Provider | Service type | Compensation |
|---|---|---|
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 01-0233346 | Recordkeeping | $606 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $50,793 | $79,223-35.9% | $102,460-50.4% | $74,478-31.8% |
| Participation rate | 59.4% | 74.8%-15.4pp | 76.5%-17.1pp | 67.2%-7.8pp |
| Annual return | 10.75% | 54.98%-44.2pp | 29.47%-18.7pp | 1370.56%-1359.8pp |
| Employer contribution / active EE | $404 | $2,363-82.9% | $3,025-86.6% | $2,626-84.6% |
| Participant deferral / active EE | $2,254 | $4,417-49.0% | $5,056-55.4% | $4,350-48.2% |
| Admin fee / account holder | $304 | $2,003-84.8% | $9,460-96.8% | $1,946-84.4% |