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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO. (US Service code 15 · EIN 01-0233346 | Recordkeeping | $175 |
Filed as: WILSHIRE ASSOCIATES INC. (USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $99 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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).
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 | $9,934 | $39,948-75.1% | $89,435-88.9% | $73,412-86.5% |
| Participation rate | 15.8% | 50.4%-34.6pp | 68.0%-52.2pp | 72.2%-56.4pp |
| Annual return | 26.52% | 50.12%-23.6pp | 245.55%-219.0pp | 59.30%-32.8pp |
| Employer contribution / active EE | $0 | $1,200-100.0% | $2,587-100.0% | $2,234-100.0% |
| Participant deferral / active EE | $653 | $2,193-70.2% | $3,890-83.2% | $3,806-82.8% |
| Admin fee / account holder | $146 | $134+8.5% | $4,884-97.0% | $158-7.7% |