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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 | $130,795-32.6% | $173,730-49.3% | $64,728+36.1% |
| Participation rate | 83.4% | 69.9%+13.6pp | 79.6%+3.9pp | 57.9%+25.5pp |
| Annual return | 4.48% | 13.01%-8.5pp | 19.96%-15.5pp | 49.38%-44.9pp |
| Employer contribution / active EE | $1,594 | $2,914-45.3% | $4,577-65.2% | $2,243-28.9% |
| Participant deferral / active EE | $4,451 | $3,477+28.0% | $6,326-29.6% | $2,729+63.1% |
| Admin fee / account holder | $399 | $1,356-70.6% | $17,523-97.7% | $1,145-65.2% |