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| Provider | Service type | Compensation |
|---|---|---|
Filed as: GREENSPRING ADVISORS Service code 26 · EIN 82-5320133 | Advisory (Participants) | $7,632 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $3,542 |
Filed as: WILSHIRE ASSOCIATES INC Service code 26 · EIN 95-2755361 | Advisory (Participants) | $1,987 |
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 | $65,798 | $91,439-28.0% | $135,974-51.6% | $71,511-8.0% |
| Participation rate | 89.4% | 75.7%+13.7pp | 81.9%+7.5pp | 67.9%+21.4pp |
| Annual return | 21.06% | 29.90%-8.8pp | 68.30%-47.2pp | 28.86%-7.8pp |
| Employer contribution / active EE | $3,906 | $3,705+5.4% | $4,859-19.6% | $2,589+50.9% |
| Participant deferral / active EE | $10,484 | $7,093+47.8% | $7,760+35.1% | $4,291+144.4% |
| Admin fee / account holder | $384 | $1,267-69.7% | $10,767-96.4% | $1,588-75.8% |