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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 | $55,472+160.7% | $155,567-7.0% | $74,546+94.0% |
| Participation rate | 94.3% | 61.9%+32.4pp | 78.2%+16.1pp | 67.2%+27.1pp |
| Annual return | 12.95% | 268.72%-255.8pp | 64.74%-51.8pp | 1366.03%-1353.1pp |
| Employer contribution / active EE | $7,217 | $2,269+218.1% | $4,674+54.4% | $2,624+175.0% |
| Participant deferral / active EE | $5,870 | $2,838+106.9% | $5,628+4.3% | $4,347+35.0% |
| Admin fee / account holder | $485 | $1,743-72.2% | $15,916-97.0% | $1,944-75.1% |