Fidelity vs John Hancock 401(k) Comparison
Compare Fidelity Investments (#1, 9.5/10) and John Hancock (#10, 7.7/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Fidelity | John Hancock |
|---|---|---|
| Overall Score | 9.5/10 | 7.7/10 |
| Rank | #1 | #10 |
| AUM | $4.5 trillion | $600 billion |
| Participants | 43 million | 3 million |
| Plan Sponsors | 23,000+ | 48,000+ |
| Founded | 1946 | 1862 |
Ratings Comparison
| Category | Fidelity | John Hancock |
|---|---|---|
| Fees & Costs | 4.9/5 | 3.5/5 |
| Investment Options | 4.9/5 | 3.7/5 |
| Customer Service | 4.8/5 | 4.0/5 |
| Mobile App | 4.7/5 | 3.6/5 |
Fee Comparison
| Fee Type | Fidelity | John Hancock |
|---|---|---|
| Admin Fees | $0 - varies by plan | $1,000 - $4,000/year |
| Expense Ratios | 0.00% - 0.75% | 0.30% - 1.3% |
| Trading Fees | $0 for stocks/ETFs | Plan dependent |
| Advisory Fees | 0.35% - 1.0% | 0.40% - 0.90% |
Fidelity Strengths
- Zero expense ratio index funds (FZROX, FZILX)
- Industry-leading mobile app and online platform
- 24/7 customer service with dedicated retirement specialists
- Extensive investment options including BrokerageLink
John Hancock Strengths
- Unique wellness program integration
- Vitality rewards for healthy behavior
- Strong financial wellness education
- Comprehensive planning tools
Which Should You Choose?
Choose Fidelity if you want:
- Large employers
- Cost-conscious investors
- Self-directed investors
- Solo 401(k) seekers
Choose John Hancock if you want:
- Wellness-focused employers
- Mid-sized companies
- Insurance bundle seekers
Our Verdict: Fidelity vs John Hancock
Fidelity Investments wins this comparison with a score of 9.5/10 vs 7.7/10. Fidelity excels with zero expense ratio index funds (fzrox, fzilx), making it the stronger choice for most investors in this matchup. However, the best choice ultimately depends on your specific needs, employer plan availability, and investment preferences.
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Fidelity vs John Hancock: Complete 401(k) Comparison for 2026
Choosing between Fidelity Investments and John Hancock for your 401(k) is an important decision that affects your retirement savings. Fidelity offers largest provider while John Hancock is known for wellness focus. In terms of fees, Fidelity charges 0.00% - 0.75% expense ratios compared to John Hancock's 0.30% - 1.3%. Fidelity manages $4.5 trillion in assets and serves 43 million participants, while John Hancock has $600 billion AUM and 3 million participants.
Key Differences: Fidelity vs John Hancock
When comparing Fidelity and John Hancock, consider their core strengths: Fidelity excels with zero expense ratio index funds (fzrox, fzilx), while John Hancock stands out for unique wellness program integration. Both providers offer comprehensive investment options including target-date funds, index funds, and managed accounts. Fidelity's customer service rating is 4.8/5 compared to John Hancock's 4.0/5. For mobile experience, Fidelity scores 4.7/5 while John Hancock scores 3.6/5.
Which Provider is Right for You?
Choose Fidelity if you prioritize large employers. Choose John Hancock if you're looking for wellness-focused employers. Your decision should also consider your employer's plan availability, fee sensitivity, desired investment options, and customer service expectations. For detailed reviews, visit our individual Fidelity and John Hancock provider pages.