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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 | $138,891-36.6% | $185,441-52.5% | $65,191+35.2% |
| Participation rate | 83.4% | 74.2%+9.2pp | 80.3%+3.2pp | 63.0%+20.4pp |
| Annual return | 4.48% | 10.99%-6.5pp | 20.16%-15.7pp | 51.24%-46.8pp |
| Employer contribution / active EE | $1,594 | $3,142-49.3% | $4,672-65.9% | $2,400-33.6% |
| Participant deferral / active EE | $4,451 | $3,459+28.7% | $6,152-27.6% | $2,671+66.6% |
| Admin fee / account holder | $399 | $864-53.8% | $17,890-97.8% | $907-56.0% |