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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS CO Service code 15 · EIN 01-0233346 | Recordkeeping | $134 |
Filed as: WILSHIRE ASSOCIATES INC Service code 26 · EIN 95-2755361 1299 OCEAN AVENUE, SUITE 600 · SANTA MONICA, CA 90401 | Advisory (Participants) | $102 |
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.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,505 | $59,105-70.4% | $160,009-89.1% | $66,938-73.8% |
| Participation rate | 34.2% | 68.1%-33.8pp | 78.0%-43.7pp | 69.8%-35.6pp |
| Annual return | 2.24% | -12.26%+14.5pp | 408.85%-406.6pp | 1.58%+0.7pp |
| Employer contribution / active EE | $0 | $1,983-100.0% | $4,225-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $2,845 | $4,395-35.3% | $6,183-54.0% | $4,238-32.9% |
| Admin fee / account holder | $232 | $591-60.7% | $8,715-97.3% | $594-60.9% |