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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.)
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 | $148,584-40.7% | $216,567-59.3% | $69,255+27.2% |
| Participation rate | 83.4% | 77.0%+6.4pp | 81.6%+1.8pp | 69.0%+14.4pp |
| Annual return | 4.48% | 8.62%-4.1pp | 12.94%-8.5pp | 26.73%-22.2pp |
| Employer contribution / active EE | $1,594 | $3,404-53.2% | $5,216-69.4% | $2,645-39.7% |
| Participant deferral / active EE | $4,451 | $3,500+27.2% | $6,191-28.1% | $2,890+54.0% |
| Admin fee / account holder | $399 | $791-49.5% | $21,981-98.2% | $733-45.5% |