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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $95,075 |
CADARET GRANT & CO INC1 year Service code 27 · EIN 22-2361254 | Advisory (Plan) | $31,206 |
MORNINGSTAR2 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $25,489 | $44,626-42.9% | $86,209-70.4% | $80,149-68.2% |
| Participation rate | 18.3% | 63.5%-45.2pp | 69.0%-50.6pp | 72.9%-54.6pp |
| Annual return | 14.81% | 19.61%-4.8pp | 1169.05%-1154.2pp | 40.39%-25.6pp |
| Employer contribution / active EE | $317 | $1,099-71.2% | $2,381-86.7% | $2,977-89.4% |
| Participant deferral / active EE | $1,120 | $2,769-59.6% | $3,986-71.9% | $5,015-77.7% |
| Admin fee / account holder | $189 | $133+41.6% | $6,853-97.2% | $145+30.1% |