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| Provider | Service type | Compensation |
|---|---|---|
ABG PORTFOLIO STRATEGIES, INC.3+ years Filed as: ALERA INVESTMENT ADVISORS Service code 26 · EIN 82-1301707 | Advisory (Participants) | $23,578 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $1,248 |
WILSHIRE ASSOCIATES INCORPORATED3+ years Filed as: WILSHIRE ASSOCIATES INC (USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $1,179 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $43,670 | $101,653-57.0% | $147,080-70.3% | $74,459-41.3% |
| Participation rate | 43.3% | 75.6%-32.2pp | 82.2%-38.9pp | 67.2%-23.9pp |
| Annual return | 16.25% | 8754.98%-8738.7pp | 420.17%-403.9pp | 1369.70%-1353.5pp |
| Employer contribution / active EE | $667 | $3,813-82.5% | $4,933-86.5% | $2,626-74.6% |
| Participant deferral / active EE | $4,912 | $7,304-32.8% | $8,066-39.1% | $4,350+12.9% |
| Admin fee / account holder | $310 | $1,752-82.3% | $12,989-97.6% | $1,945-84.1% |