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| Provider | Service type | Compensation |
|---|---|---|
Filed as: WILSHIRE ASSOCIATES Service code 26 · EIN 95-2755361 | Advisory (Participants) | $3,306 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO U.S. Service code 15 · EIN 01-0233346 | Recordkeeping | $842 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $71,113 | $30,385+134.0% | $56,054+26.9% | $74,400-4.4% |
| Participation rate | 69.1% | 32.9%+36.2pp | 52.5%+16.6pp | 67.2%+1.9pp |
| Annual return | 12.57% | 24.92%-12.4pp | 1705.95%-1693.4pp | 1367.51%-1354.9pp |
| Employer contribution / active EE | $2,328 | $609+282.3% | $1,039+124.0% | $2,624-11.3% |
| Participant deferral / active EE | $4,841 | $1,174+312.5% | $1,952+148.0% | $4,348+11.3% |
| Admin fee / account holder | $367 | $2,361-84.5% | $2,822-87.0% | $1,944-81.1% |