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| Provider | Service type | Compensation |
|---|---|---|
Filed as: WILSHIRE ASSOCIATES INC (USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $618 |
Filed as: JOHN HANCOCK LIFE INS CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $340 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,147 | $73,848-18.6% | $143,799-58.2% | $68,486-12.2% |
| Participation rate | 46.8% | 66.7%-19.9pp | 80.3%-33.5pp | 67.9%-21.1pp |
| Annual return | -20.24% | 0.91%-21.2pp | -0.04%-20.2pp | -7.85%-12.4pp |
| Employer contribution / active EE | $186 | $3,184-94.1% | $4,952-96.2% | $2,597-92.8% |
| Participant deferral / active EE | $2,301 | $3,385-32.0% | $5,638-59.2% | $4,028-42.9% |
| Admin fee / account holder | $482 | $5,755-91.6% | $14,677-96.7% | $5,404-91.1% |