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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO. (US Service code 15 · EIN 01-0233346 | Recordkeeping | $975 |
Filed as: WILSHIRE ASSOCIATES INC. (USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $458 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $11,716 | $37,463-68.7% | $77,100-84.8% | $66,949-82.5% |
| Participation rate | 58.0% | 52.9%+5.1pp | 67.9%-9.9pp | 69.8%-11.8pp |
| Annual return | -20.05% | -3.25%-16.8pp | 42.35%-62.4pp | 1.57%-21.6pp |
| Employer contribution / active EE | $2,921 | $1,535+90.3% | $2,815+3.8% | $2,545+14.8% |
| Participant deferral / active EE | $4,931 | $2,621+88.1% | $4,430+11.3% | $4,239+16.3% |
| Admin fee / account holder | $148 | $568-74.0% | $5,443-97.3% | $594-75.1% |