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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 42-1445429 | Advisory (Participants) | $8,257 |
Filed as: WILLSHIRE ASSOCIATES INC Service code 26 · EIN 95-2755361 | Advisory (Participants) | $330 |
Filed as: JOHN HANCOCK LIFE INSURANCE Service code 15 · EIN 01-0233346 | Recordkeeping | $217 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $954,012 | $66,319+1338.5% | $93,621+919.0% | $65,186+1363.5% |
| Participation rate | 0.0% | 74.0%-74.0pp | 75.8%-75.8pp | 70.2%-70.2pp |
| Annual return | 25.73% | 42.59%-16.9pp | 32.76%-7.0pp | 29.39%-3.7pp |
| Employer contribution / active EE | $599 | $2,013-70.2% | $2,719-78.0% | $2,177-72.5% |
| Participant deferral / active EE | $1,006 | $3,343-69.9% | $4,070-75.3% | $3,514-71.4% |
| Admin fee / account holder | $1,717 | $6,900-75.1% | $7,890-78.2% | $847+102.7% |