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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ALERA INVESTMENT ADVISORS LLC Service code 26 · EIN 81-4473358 | Advisory (Participants) | $32,787 |
Filed as: JOHN HANCOCK LIFE INS CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $1,694 |
Filed as: WILSHIRE ADVISORS LLC Service code 26 · EIN 95-2755361 | Advisory (Participants) | $1,312 |
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.)
Opinion is qualified - a specific issue limited the scope or accuracy of the audit.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,978 | $43,496+37.9% | $161,489-62.9% | $64,340-6.8% |
| Participation rate | 54.3% | 53.5%+0.8pp | 78.7%-24.4pp | 55.2%-1.0pp |
| Annual return | 11.45% | 20.76%-9.3pp | 89.72%-78.3pp | 24.14%-12.7pp |
| Employer contribution / active EE | $0 | $1,431-100.0% | $4,268-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $2,467 | $1,996+23.6% | $5,630-56.2% | $2,980-17.2% |
| Admin fee / account holder | $468 | $2,330-79.9% | $16,006-97.1% | $3,703-87.4% |