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| Provider | Service type | Compensation |
|---|---|---|
Filed as: LOCKTON INVESTMENT ADVISORS Service code 26 · EIN 20-8874282 | Advisory (Participants) | $16,684 |
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $1,538 |
Filed as: WILSHIRE ASSOCIATES Service code 26 · EIN 95-2755361 | Advisory (Participants) | $1,112 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $52,392 | $86,655-39.5% | $119,622-56.2% | $66,938-21.7% |
| Participation rate | 38.9% | 75.6%-36.6pp | 79.3%-40.3pp | 69.8%-30.9pp |
| Annual return | -15.28% | -8.00%-7.3pp | -14.98%-0.3pp | 1.58%-16.9pp |
| Employer contribution / active EE | $1,337 | $2,536-47.3% | $4,232-68.4% | $2,545-47.5% |
| Participant deferral / active EE | $2,351 | $4,358-46.1% | $5,601-58.0% | $4,238-44.5% |
| Admin fee / account holder | $319 | $755-57.7% | $10,328-96.9% | $594-46.2% |