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| Provider | Service type | Compensation |
|---|---|---|
Filed as: WILSHIRE ASSOCIATS INC. Service code 26 · EIN 95-2755361 | Advisory (Participants) | $7,287 |
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 01-0233346 | Recordkeeping | $1,700 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $88,111 | $116,081-24.1% | $156,181-43.6% | $79,634+10.6% |
| Participation rate | 83.4% | 75.6%+7.9pp | 78.8%+4.6pp | 62.5%+21.0pp |
| Annual return | 4.48% | 15.89%-11.4pp | 64.87%-60.4pp | 36.46%-32.0pp |
| Employer contribution / active EE | $1,594 | $2,828-43.6% | $4,294-62.9% | $2,529-37.0% |
| Participant deferral / active EE | $4,451 | $4,584-2.9% | $6,132-27.4% | $3,835+16.1% |
| Admin fee / account holder | $399 | $854-53.3% | $14,586-97.3% | $1,002-60.2% |