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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INSURANCE CO. USA Service code 15 · EIN 01-0233346 | Recordkeeping | $52,531 |
Filed as: WILSHIRE ASSOCIATES INC. USA Service code 26 · EIN 92-2755361 | Advisory (Participants) | $1,168 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $67,366 | $86,692-22.3% | $119,634-43.7% | $66,949+0.6% |
| Participation rate | 31.2% | 75.6%-44.4pp | 79.3%-48.1pp | 69.8%-38.6pp |
| Annual return | -14.18% | -8.00%-6.2pp | -14.98%+0.8pp | 1.57%-15.7pp |
| Employer contribution / active EE | $1,439 | $2,536-43.2% | $4,232-66.0% | $2,545-43.4% |
| Participant deferral / active EE | $1,958 | $4,360-55.1% | $5,601-65.0% | $4,239-53.8% |
| Admin fee / account holder | $597 | $755-21.0% | $10,329-94.2% | $594+0.5% |