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| Provider | Service type | Compensation |
|---|---|---|
COMMONWEALTH FINANCIAL NETWORK2+ years Service code 26 · EIN 04-2675571 | Advisory (Participants) | $10,079 |
WILSHIRE ASSOCIATES INCORPORATED2+ years Filed as: WILSHIRE ASSOCIATES INC(USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $403 |
Filed as: JOHN HANCOCK LIFE INSURANCE C Service code 15 · EIN 01-0233346 | Recordkeeping | $325 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,629 | $52,293-68.2% | $178,490-90.7% | $73,409-77.3% |
| Participation rate | 45.3% | 65.3%-20.1pp | 81.9%-36.6pp | 72.2%-26.9pp |
| Annual return | 19.61% | 34.75%-15.1pp | 151.07%-131.5pp | 59.29%-39.7pp |
| Employer contribution / active EE | $652 | $1,735-62.5% | $5,011-87.0% | $2,234-70.8% |
| Participant deferral / active EE | $1,856 | $2,332-20.4% | $5,202-64.3% | $3,805-51.2% |
| Admin fee / account holder | $178 | $127+39.5% | $13,984-98.7% | $158+12.5% |