Filed May 19, 2026
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ALERA INVESTMENT ADVISORS Service code 26 · EIN 82-1301707 | Advisory (Participants) | $10,255 |
Filed as: WILSHIRE ASSOCIATES INC(USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $410 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO. Service code 15 · EIN 01-0233346 | Recordkeeping | $200 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,939 | $65,582-71.1% | $64,097-70.5% | $71,529-73.5% |
| Participation rate | 45.3% | 73.2%-27.9pp | 72.3%-27.0pp | 67.9%-22.6pp |
| Annual return | 18.75% | 18.96%-0.2pp | 33.75%-15.0pp | 28.97%-10.2pp |
| Employer contribution / active EE | $756 | $2,671-71.7% | $2,750-72.5% | $2,590-70.8% |
| Participant deferral / active EE | $1,227 | $3,628-66.2% | $3,881-68.4% | $4,291-71.4% |
| Admin fee / account holder | $172 | $616-72.0% | $3,070-94.4% | $1,588-89.1% |