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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ALERA INVESTMENT ADVISORS Service code 26 · EIN 82-1301707 | Advisory (Participants) | $35,520 |
Filed as: WILSHIRE ASSOCIATES INC Service code 26 · EIN 95-2755361 | Advisory (Participants) | $1,093 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $377 |
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.)
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Opinion is qualified - a specific issue limited the scope or accuracy of the audit.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $54,791 | $61,166-10.4% | $185,849-70.5% | $79,391-31.0% |
| Participation rate | 50.9% | 66.6%-15.7pp | 81.7%-30.8pp | 70.7%-19.8pp |
| Annual return | 19.64% | 19.45%+0.2pp | 122.10%-102.5pp | 116.88%-97.2pp |
| Employer contribution / active EE | $0 | $2,321-100.0% | $5,169-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $2,093 | $2,789-24.9% | $5,569-62.4% | $4,046-48.3% |
| Admin fee / account holder | $643 | $710-9.4% | $16,244-96.0% | $627+2.6% |