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| Provider | Service type | Compensation |
|---|---|---|
Filed as: WILSHIRE ASSOCIATES INC. Service code 26 · EIN 95-2755361 1299 OCEAN AVE. · SANTA MONICA, CA 90401 | Advisory (Participants) | $686 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO. Service code 13 · EIN 01-0233346 | Contract Administrator | $175 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $50,315 | $31,679+58.8% | $74,722-32.7% | $65,185-22.8% |
| Participation rate | 35.1% | 40.4%-5.3pp | 54.5%-19.4pp | 70.2%-35.1pp |
| Annual return | 16.69% | 39.04%-22.3pp | 753.11%-736.4pp | 29.38%-12.7pp |
| Employer contribution / active EE | $0 | $566-100.0% | $1,084-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,824 | $1,191+53.2% | $1,963-7.1% | $3,514-48.1% |
| Admin fee / account holder | $459 | $379+21.2% | $3,335-86.2% | $847-45.8% |