401(k) Plans

At John Hancock we believe the team approach provides the best service possible for your plan. In partnership with plan consultants and financial advisers, we can help design and build a retirement plan specifically suited to meet your needs.

Why John Hancock Retirement Plan Services?*

When you choose John Hancock you are choosing a market leader with a record of success, leadership and the financial strength you are looking for. See why we are a provider of choice for so many companies.

  • One of the largest full-service providers of 401(k) plans across all plan sizes among life insurance companies, mutual fund companies and banks.**
  • Service to more than 44,000 plans and almost 1.7 million participants. ***
  • #1 in sales of 401(k) plans sold in 2010.****

Inside 401(k) Plans

401(k) Plans

John Hancock understands the complexity and depth of experience required to deliver retirement plans that help you achieve your business and personal goals. We've become a leading provider of retirement plans by focusing on the following essentials:

  • Guaranteed Income for Life Select*
  • Flexible plan design leveraging local Plan Consultant partners
  • Award-winning enrollment support and materials*****
  • Rigorous investment selection process
  • Dedicated service and robust Record Keeping platform
  • Industry-leading fiduciary responsibility support
Investment Only

For plans offered in an open architecture environment, John Hancock's popular Lifestyle and Lifecycle portfolios are available on an investment-only basis. This gives you access to:

  • Our asset allocation portfolios, that are now available on all of the major Mutual Fund Trading Networks and through many leading record keepers.
  • Our highly accredited fund selection and monitoring process

Contribution Limits

Find out how much you can contribute to your retirement plan this year.

Limits for 2012 »
Limits for 2013 »

If You Have A 401(k)

You can move outside qualified retirement accounts (401(k), 403(b), 457(b) IRA, etc) into your John Hancock 401(k) Plan, to help simplify your retirement planning.

Learn More »


If you're leaving your plan, you can roll over to an Individual Retirement Account (IRA) with no sales charge for the life of your account.*
Visit JHRollover.com
*a $25 annual account maintenance fee applies.

Visit the Websites

Plan Participants (employees) jhpensions.com

Contact info, participant statements, education and guidance

Financial Consultants www.jh401kadvisor.com

Detailed product and compensation information, sales tools and more

Third Party Administrators jhpensions.com/tpaadmin

Sign in to get account information and administration tools

Plan Sponsors jhpensions.com/er

Detailed product information, forms, client accounts and more


* Both John Hancock Life Insurance Company (U.S.A.) (John Hancock USA) and John Hancock Life Insurance Company of New York (John Hancock New York) do business under certain instances using the John Hancock Retirement Plan Services name. Group annuity contracts are issued by John Hancock USA, 601 Congress Street, Boston, MA 02116, which is licensed and offers products in all states, except New York. Product features and availability may differ by state. Guarantees of withdrawals provided under the “Guaranteed Income for Life Select” are supported by John Hancock USA’s general account and are contingent on the claims paying ability of John Hancock USA. Group annuity contracts and administrative services or recordkeeping agreements issued in New York are only issued by John Hancock New York, 100 Summit Lake Drive, Valhalla, New York 10595, which is licensed in New York. Guarantees of withdrawals provided under the “Guaranteed Income For Life Select” are supported by John Hancock New York’s general account and are contingent on the claims paying ability of John Hancock New York. Guarantees are subject to the limitations, terms, and conditions set forth in the Rider. You should consider the objectives, risks, charges, and expenses of the investment options to which the feature applies and the limitations, terms and conditions of the feature as set forth in the Lifetime Income Benefit Rider before selecting this feature.
** CFO Magazine 2011 Recordkeeping Survey Data. "Full-service" denotes providers, including banks, insurance and mutual fund companies, offering both record keeping and investments, as defined by CFO Magazine, plans managed and asset growth based on plans inforce at December 31, 2010. Published in May 2011.
*** John Hancock USA supports over 41,900 plans and 1,595,000 participants. John Hancock New York supports 2,500 plans and 77,000 participants, Approximate (unaudited) figures for John Hancock Retirement Plan Services divisions by company provided on a U.S. statutory basis as of December 31, 2011.
**** Source: CFO Magazine 2011 Recordkeeper Survey Data (for year-end 2010)


A fund's investment objectives, risks, charges and expenses should be considered carefully before investing. The prospectus contains this and other important information about the fund. A prospectus is available on jhfunds.com. Please read the prospectus carefully before investing or sending money.

Please keep in mind that mutual fund shares: Are not FDIC insured | May lose value | Come with no bank guarantee | Are not insured by any government agency

© 2012 John Hancock Life Insurance Company (U.S.A.). All rights reserved.