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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH - EPS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $3,310 |
Filed as: MERRILL LYNCH - FAS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $3,310 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO. Service code 15 · EIN 01-0233346 | Recordkeeping | $1,864 |
Filed as: WILSHIRE ASSOCIATES INC. (USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $789 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $65,498 | $60,119+8.9% | $90,430-27.6% | $79,858-18.0% |
| Participation rate | 65.2% | 65.0%+0.2pp | 72.7%-7.5pp | 69.6%-4.5pp |
| Annual return | 11.66% | 71.94%-60.3pp | 1293.73%-1282.1pp | 31.72%-20.1pp |
| Employer contribution / active EE | $1,496 | $2,068-27.6% | $3,262-54.1% | $2,471-39.4% |
| Participant deferral / active EE | $4,444 | $2,938+51.3% | $3,963+12.1% | $3,740+18.8% |
| Admin fee / account holder | $354 | $3,976-91.1% | $5,613-93.7% | $5,306-93.3% |