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| Provider | Service type | Compensation |
|---|---|---|
SECURITIES AMERICA INC1 year Filed as: SECURITIES AMERICA ADVISORS Service code 26 · EIN 47-0648506 | Advisory (Participants) | $17,708 |
Filed as: JOHN HANCOCK LIFE INS CO USA Service code 15 · EIN 01-0233346 | Recordkeeping | $4,731 |
KMS FINANCIAL4 years Service code 26 · EIN 91-0850651 | Advisory (Participants) | $4,167 |
Filed as: WILSHIRE ASSOCIATES INC USA Service code 26 · EIN 95-2755361 | Advisory (Participants) | $2,660 |
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).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $117,787 | $104,664+12.5% | $85,682+37.5% | $167,490-29.7% |
| Participation rate | 89.5% | 76.4%+13.1pp | 69.9%+19.6pp | 82.1%+7.4pp |
| Annual return | 9.69% | 21.45%-11.8pp | 21.49%-11.8pp | 478.56%-468.9pp |
| Employer contribution / active EE | $4,634 | $3,337+38.9% | $2,618+77.0% | $4,837-4.2% |
| Participant deferral / active EE | $8,982 | $4,824+86.2% | $3,923+129.0% | $6,341+41.6% |
| Admin fee / account holder | $671 | $10,032-93.3% | $6,873-90.2% | $12,309-94.5% |