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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EDWARD D JONES & CO LP Service code 26 · EIN 43-0345811 | Advisory (Participants) | $36,999 |
Filed as: WILSHIRE ASSOCIATES INC (USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $4,111 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $186 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $166,313 | $84,499+96.8% | $125,391+32.6% | $66,949+148.4% |
| Participation rate | 94.1% | 76.4%+17.6pp | 82.4%+11.7pp | 69.8%+24.2pp |
| Annual return | -18.83% | -8.49%-10.3pp | 572.41%-591.2pp | 1.57%-20.4pp |
| Employer contribution / active EE | $5,609 | $3,554+57.8% | $4,816+16.5% | $2,545+120.4% |
| Participant deferral / active EE | $10,238 | $6,785+50.9% | $7,448+37.4% | $4,239+141.5% |
| Admin fee / account holder | $703 | $685+2.6% | $10,009-93.0% | $594+18.5% |