It's about time

Helping employees make the most of your retirement plan with our proactive participant engagement program

Program overview

Our participant engagement program─available at no additional cost to you─delivers personalized suggestions right to your participants' inboxes to help them meet their financial goals. Throughout the year, they receive relevant emails that reflect where they are today on their path to retirement, plus individualized support timed around key events and decisions.

  • Enrollment

    Encouraging noncontributors to start participating in your retirement plan

     

  • Onboarding

    Educating participants about available plan benefits during their first year of saving 

  • Financial well-being

    Guiding participants with personalized financial wellness and retirement planning 

  • Retirement readiness

    Supporting participants who've changed jobs or retired

Year one onboarding experience

Every new participant receives a series of emails highlighting plan features and available resources to help ensure they get off to a good start saving and make the most of your retirement plan.¹

  • Welcome and online account registration

  • Combining retirement accounts2

  • Personalizing their strategy with our retirement planner3

  • Getting personalized retirement advice4




Proactive outreach

We harness the power of plan data and advanced analytics to deliver targeted suggestions to your participants. Our unique approach helps promote action and can lead to higher participation rates, contribution rates, and retirement readiness scores.

  • Quarterly highlights

    Every participant receives our quarterly highlights, which contains age-based (over and under age 50) financial wellness and retirement planning articles and retirement readiness articles supporting participants who've changed jobs or retired.

  • Targeted outreach1

    We send personalized emails to help:

    • Low and average contributors get their retirement goals on track 
    • Preretirees (age 50+) achieve retirement balance
    • Participants understand the benefits of available plan features
  • Prepackaged advocacy campaigns 

    Rounding out our outreach are prepackaged advocacy campaigns that you can integrate into your internal communication channels to help reinforce the messaging.



First-quarter 2022—resolutions that make an impact

The start of the new year is the perfect time for participants to resolve to improve their financial health.

  • January

    1/25/22–2/18/22

    Quarterly highlights

    Reviewing their retirement strategy, setting goals for 2022, and a video with tips for getting financially fit

    Read the Q1 highlights now
  • February

    Week of 2/14/22

    Prepackaged advocacy campaign

    Flyer, presentation, email template, and more to help you promote physical and financial well-being

     

  • March

    3/8/22–3/18/22

    Targeted outreach1

    • Nudges noncontributors to start saving and encourages low to average contributors to consider increasing their contributions
    • Encourages participants with access to John Hancock Personalized Retirement Advice to see their personalized projected benefits4

Second-quarter 2022—spring forward, be future focused

Planning for future expenses today can help participants feel more confident and better prepared for tomorrow.

  • April

    4/26/22–5/13/22

    Quarterly highlights

    Saving for children’s educations, creating an estate plan, and an on-demand webinar about investing for the long term 

  • May

    Week of 5/23/22

    Prepackaged advocacy campaign

    Flyer, presentation, email template, and more to help you reinforce the importance of having a will and an estate plan

  • June

    6/14/22–7/1/22

    Targeted outreach1

    Encourages participants to start saving, save more, personalize their retirement strategy, or learn about Social Security—based on participant needs  

Third-quarter 2022—annual self check-in

Life happens. Financial markets fluctuate. Annual reviews help participants assess progress on their goals and make adjustments to keep moving forward.

  • July

    7/26/22–8/19/22

    Quarterly highlights

    Assessing overall well-being—financial, physical, emotional, and social—and an on-demand webinar about rate of return

  • August

    Week of 8/15/22

    Prepackaged advocacy campaign

    Ready-to-use content for open enrollment to help you reinforce the importance of your retirement plan and its tools and resources

  • September

    9/13/22–9/23/22

    Targeted outreach1

    Encourages participants to start saving, save more, or personalize their retirement strategy—based on participant needs

Fourth-quarter 2022—cybersafety and holiday spending

During the holidays, it's even more important for participants to be cyber aware when shopping online and resist the urge to splurge.

  • October

    10/25/22–11/18/22

    Quarterly highlights

    Strategies for managing debt during the holidays and an on-demand cybersafety webinar

  • November

     

    Holiday break

  • December

     

    Holiday break



1 Messaging is tailored to participants based on age (under or over age 50), plan status (active or terminated with account balance), and other factors. Not all participants will receive all messages. As other options are available such as leaving it in their old plan, rolling over to an IRA, or cashing out, participants are encouraged to review all their options to determine if combining retirement accounts is suitable for them. 3 The projected retirement income estimates for your current John Hancock accounts, future contributions, employer contributions (if applicable), and other accounts set aside for retirement used in this calculator are hypothetical, for illustrative purposes only, and do not constitute investment advice. Results are not guaranteed and do not represent the current or future performance of any specific account or investment. Due to market fluctuations and other factors, it is possible that investment objectives may not be met. Investing involves risks, and past performance does not guarantee  future results. Subject to plan availability. Participation in John Hancock Personalized Retirement Advice (Retirement Advice) does not guarantee investment success. Investing involves risks, including the potential loss of principal. Fees for this service are based on a tiered schedule and vary by account balance. For more information, consult the John Hancock Personalized Retirement Advice investment advisory agreement. John Hancock Personal Financial Services, LLC (JHPFS), a registered investment adviser and affiliate of John Hancock Retirement Plan Services LLC (JHRPS), is the investment manager of the Retirement Advice program. JHPFS has selected Morningstar Investment Management LLC, a registered investment adviser and wholly owned subsidiary of Morningstar, Inc., to act as the independent financial expert (as defined in the U.S. Department of Labor’s Advisory Opinion 2001-09A) for Retirement Advice. JHPFS monitors Morningstar Investment Management’s performance. Morningstar Investment Management LLC is not affiliated with JHRPS, JHPFS, or its affiliates. JHPFS acts as a fiduciary with respect to the management of Retirement Advice investments.
Important disclosures

The content of this document is for general information only and is believed to be accurate and reliable as of the posting date, but may be subject to change. It is not intended to provide investment, tax, plan design, or legal advice (unless otherwise indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made herein.

John Hancock Retirement Plan Services, LLC provides administrative and/or recordkeeping services to sponsors or administrators of retirement plans through an open-architecture platform. John Hancock Trust Company LLC provides trust and custodial services to such plans. Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York), and John Hancock Life Insurance Company of New York, Valhalla, New York. Product features and availability may differ by state. All entities do business under certain instances using the John Hancock brand name. Each entity makes available a platform of investment alternatives to sponsors or administrators of retirement plans without regard to the individualized needs of any plan. Unless otherwise specifically stated in writing, each such company does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity. Securities are offered through John Hancock Distributors LLC, member FINRA, SIPC.

John Hancock Personal Financial Services, LLC is an SEC registered investment adviser.  

John Hancock Personal Financial Services, LLC, 200 Berkeley Street, Boston, MA 02116

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