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| Provider | Service type | Compensation |
|---|---|---|
Filed as: WISHIRE ASSOCIAGTES INC. USA Service code 26 · EIN 92-2755361 | Advisory (Participants) | $1,967 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO. USA Service code 15 · EIN 01-0233346 | Recordkeeping | $126 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $79,653 | $81,494-2.3% | $133,978-40.5% | $73,497+8.4% |
| Participation rate | 23.0% | 76.4%-53.3pp | 79.8%-56.8pp | 70.7%-47.6pp |
| Annual return | 30.32% | 19.40%+10.9pp | 45.10%-14.8pp | 28.51%+1.8pp |
| Employer contribution / active EE | $995 | $2,210-55.0% | $3,919-74.6% | $2,270-56.2% |
| Participant deferral / active EE | $1,288 | $3,787-66.0% | $5,047-74.5% | $3,740-65.6% |
| Admin fee / account holder | $379 | $713-46.9% | $8,930-95.8% | $513-26.1% |