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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $56,285 |
Filed as: WILSHIRE ASSOCIATES, INC. Service code 27 · EIN 95-2755361 | Advisory (Plan) | $2,345 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $105,852 | $42,909+146.7% | $152,093-30.4% | $71,012+49.1% |
| Participation rate | 5.6% | 54.7%-49.1pp | 77.8%-72.2pp | 58.6%-53.0pp |
| Annual return | 17.06% | 30.57%-13.5pp | 66.36%-49.3pp | 37.67%-20.6pp |
| Employer contribution / active EE | $144 | $1,369-89.5% | $4,175-96.5% | $2,348-93.9% |
| Participant deferral / active EE | $1,336 | $1,904-29.8% | $5,451-75.5% | $3,246-58.9% |
| Admin fee / account holder | $801 | $1,014-21.0% | $14,497-94.5% | $1,167-31.4% |