John Hancock vs Transamerica 401(k) Comparison
Compare John Hancock (#10, 7.7/10) and Transamerica (#11, 7.5/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | John Hancock | Transamerica |
|---|---|---|
| Overall Score | 7.7/10 | 7.5/10 |
| Rank | #10 | #11 |
| AUM | $600 billion | $300 billion |
| Participants | 3 million | 6 million |
| Plan Sponsors | 48,000+ | 35,000+ |
| Founded | 1862 | 1904 |
Ratings Comparison
| Category | John Hancock | Transamerica |
|---|---|---|
| Fees & Costs | 3.5/5 | 3.6/5 |
| Investment Options | 3.7/5 | 3.7/5 |
| Customer Service | 4.0/5 | 3.8/5 |
| Mobile App | 3.6/5 | 3.5/5 |
Fee Comparison
| Fee Type | John Hancock | Transamerica |
|---|---|---|
| Admin Fees | $1,000 - $4,000/year | $750 - $3,000/year |
| Expense Ratios | 0.30% - 1.3% | 0.25% - 1.2% |
| Trading Fees | Plan dependent | Plan dependent |
| Advisory Fees | 0.40% - 0.90% | 0.35% - 0.85% |
John Hancock Strengths
- Unique wellness program integration
- Vitality rewards for healthy behavior
- Strong financial wellness education
- Comprehensive planning tools
Transamerica Strengths
- Comprehensive financial wellness programs
- Flexible plan design options
- Strong educational resources and tools
- Integrated workplace benefits platform
Which Should You Choose?
Choose John Hancock if you want:
- Wellness-focused employers
- Mid-sized companies
- Insurance bundle seekers
Choose Transamerica if you want:
- Mid-sized companies
- Integrated benefits seekers
- Financial wellness focus
Our Verdict: John Hancock vs Transamerica
John Hancock wins this comparison with a score of 7.7/10 vs 7.5/10. John Hancock excels with unique wellness program integration, 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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John Hancock vs Transamerica: Complete 401(k) Comparison for 2026
Choosing between John Hancock and Transamerica for your 401(k) is an important decision that affects your retirement savings. John Hancock offers wellness focus while Transamerica is known for workplace benefits. In terms of fees, John Hancock charges 0.30% - 1.3% expense ratios compared to Transamerica's 0.25% - 1.2%. John Hancock manages $600 billion in assets and serves 3 million participants, while Transamerica has $300 billion AUM and 6 million participants.
Key Differences: John Hancock vs Transamerica
When comparing John Hancock and Transamerica, consider their core strengths: John Hancock excels with unique wellness program integration, while Transamerica stands out for comprehensive financial wellness programs. Both providers offer comprehensive investment options including target-date funds, index funds, and managed accounts. John Hancock's customer service rating is 4.0/5 compared to Transamerica's 3.8/5. For mobile experience, John Hancock scores 3.6/5 while Transamerica scores 3.5/5.
Which Provider is Right for You?
Choose John Hancock if you prioritize wellness-focused employers. Choose Transamerica if you're looking for mid-sized companies. 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 John Hancock and Transamerica provider pages.