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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK LIFE INS CO Service code 15 · EIN 01-0233346 | Recordkeeping | $386 |
WILSHIRE ASSOCIATES INCORPORATED2+ years Filed as: WILSHIRE ASSOCIATES INC( Service code 26 · EIN 95-2755361 | Advisory (Participants) | $53 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $3,446 | $61,166-94.4% | $185,849-98.1% | $79,391-95.7% |
| Participation rate | 91.0% | 66.6%+24.4pp | 81.7%+9.3pp | 70.7%+20.3pp |
| Annual return | 41.75% | 19.45%+22.3pp | 122.10%-80.4pp | 116.88%-75.1pp |
| Employer contribution / active EE | $1,646 | $2,321-29.1% | $5,169-68.2% | $2,428-32.2% |
| Participant deferral / active EE | $1,902 | $2,789-31.8% | $5,569-65.8% | $4,046-53.0% |
| Admin fee / account holder | $18 | $710-97.4% | $16,244-99.9% | $627-97.1% |