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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK NEW YORK Service code 15 · EIN 13-3646501 | Recordkeeping | $1,328 |
WILSHIRE ASSOCIATES INCORPORATED2+ years Filed as: WILSHIRE ASSOCIATES INC. (NY) Service code 26 · EIN 95-2755361 1299 OCEAN AVENUE · SANTA MONICA, CA 90401 | Advisory (Participants) | $735 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $58,363 | $73,638-20.7% | $95,964-39.2% | $73,497-20.6% |
| Participation rate | 59.0% | 76.2%-17.2pp | 77.1%-18.1pp | 70.7%-11.7pp |
| Annual return | 14.33% | 16.78%-2.4pp | 91.64%-77.3pp | 28.51%-14.2pp |
| Employer contribution / active EE | $653 | $1,863-65.0% | $2,541-74.3% | $2,270-71.3% |
| Participant deferral / active EE | $2,831 | $3,617-21.7% | $4,167-32.1% | $3,740-24.3% |
| Admin fee / account holder | $547 | $482+13.4% | $6,797-92.0% | $513+6.6% |