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| Provider | Service type | Compensation |
|---|---|---|
NORTHRUP8+ years Service code 26 4275 EXECUTIVE SQUARE, SUITE 400 · LA JOLLA, CA 92037 | Advisory (Participants) | $57,006 |
Filed as: JOHN HANCOCK LIFE INSURANCE Service code 15 · EIN 01-0233346 | Recordkeeping | $7,586 |
SAN DIEGO PENSION CONSULTANTS8+ years Filed as: SAN DIEGO PENSION CONSULTANTS INC. Service code 49 9665 CHESAPEAKE DR. #201 · SAN DIEGO, CA 92123 | Other Services | $1,995 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $136,883 | $73,848+85.4% | $143,799-4.8% | $68,486+99.9% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -17.13% | 0.91%-18.0pp | -0.04%-17.1pp | -7.85%-9.3pp |
| Employer contribution / active EE | $14,580 | $3,184+357.8% | $4,952+194.4% | $2,597+461.5% |
| Participant deferral / active EE | $17,129 | $3,385+406.1% | $5,638+203.8% | $4,028+325.3% |
| Admin fee / account holder | $457 | $5,755-92.1% | $14,677-96.9% | $5,404-91.5% |