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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 | $30,437+133.6% | $56,033+26.9% | $74,459-4.5% |
| Participation rate | 69.1% | 32.9%+36.3pp | 52.5%+16.6pp | 67.2%+1.9pp |
| Annual return | 12.57% | 24.96%-12.4pp | 1711.38%-1698.8pp | 1369.70%-1357.1pp |
| Employer contribution / active EE | $2,328 | $610+281.7% | $1,041+123.6% | $2,626-11.3% |
| Participant deferral / active EE | $4,841 | $1,176+311.8% | $1,954+147.8% | $4,350+11.3% |
| Admin fee / account holder | $367 | $2,363-84.5% | $2,827-87.0% | $1,945-81.1% |