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| Provider | Service type | Compensation |
|---|---|---|
EDWARD JONES7 years Filed as: EDWARD D. JONES & CO., L.P. Service code 26 · EIN 43-0345811 | Advisory (Participants) | $67,315 |
JOHN HANCOCK LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 01-0233346 | Recordkeeping | $48,388 |
Filed as: WILSHIRE ASSOCIATES INC. USA Service code 26 · EIN 43-0345811 | Advisory (Participants) | $6,731 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $144,624 | $55,437+160.9% | $155,534-7.0% | $74,459+94.2% |
| Participation rate | 94.3% | 61.9%+32.4pp | 78.2%+16.1pp | 67.2%+27.0pp |
| Annual return | 12.95% | 269.58%-256.6pp | 64.92%-52.0pp | 1369.70%-1356.7pp |
| Employer contribution / active EE | $7,217 | $2,266+218.5% | $4,675+54.4% | $2,626+174.8% |
| Participant deferral / active EE | $5,870 | $2,837+106.9% | $5,630+4.3% | $4,350+35.0% |
| Admin fee / account holder | $485 | $1,742-72.2% | $15,900-97.0% | $1,945-75.1% |