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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $65,285 |
Filed as: WILSHIRE ASSOCIATES Service code 27 · EIN 95-2755361 | Advisory (Plan) | $9,740 |
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.)
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 | $51,046 | $91,439-44.2% | $135,974-62.5% | $71,511-28.6% |
| Participation rate | 60.9% | 75.7%-14.8pp | 81.9%-21.0pp | 67.9%-7.1pp |
| Annual return | 24.83% | 29.90%-5.1pp | 68.30%-43.5pp | 28.86%-4.0pp |
| Employer contribution / active EE | $2,800 | $3,705-24.4% | $4,859-42.4% | $2,589+8.2% |
| Participant deferral / active EE | $5,251 | $7,093-26.0% | $7,760-32.3% | $4,291+22.4% |
| Admin fee / account holder | $354 | $1,267-72.1% | $10,767-96.7% | $1,588-77.7% |