Filed May 19, 2026
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ALERA INVESTMENT ADVISORS LLC Service code 26 · EIN 81-4473358 | Advisory (Participants) | $13,345 |
Filed as: WILSHIRE ASSOCIATES INC(USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $534 |
Filed as: JOHN HANCOCK LIFE INSURANCE CO. Service code 15 · EIN 01-0233346 | Recordkeeping | $500 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $22,371 | $69,774-67.9% | $67,575-66.9% | $74,459-70.0% |
| Participation rate | 45.5% | 71.4%-25.9pp | 72.9%-27.5pp | 67.2%-21.8pp |
| Annual return | 12.21% | -40.53%+52.7pp | 3528.98%-3516.8pp | 1369.70%-1357.5pp |
| Employer contribution / active EE | $835 | $2,710-69.2% | $2,736-69.5% | $2,626-68.2% |
| Participant deferral / active EE | $1,395 | $3,636-61.6% | $4,003-65.2% | $4,350-67.9% |
| Admin fee / account holder | $216 | $890-75.8% | $3,993-94.6% | $1,945-88.9% |