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| Provider | Service type | Compensation |
|---|---|---|
Filed as: WILSHIRE ASSOCIATS INC. Service code 26 · EIN 95-2755361 | Advisory (Participants) | $5,646 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $375 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $94,483 | $93,182+1.4% | $146,647-35.6% | $79,389+19.0% |
| Participation rate | 85.6% | 76.4%+9.2pp | 80.1%+5.5pp | 70.7%+14.9pp |
| Annual return | 37.72% | 21.61%+16.1pp | 22.75%+15.0pp | 116.89%-79.2pp |
| Employer contribution / active EE | $3,468 | $2,420+43.3% | $4,137-16.2% | $2,428+42.8% |
| Participant deferral / active EE | $3,958 | $4,169-5.1% | $5,506-28.1% | $4,046-2.2% |
| Admin fee / account holder | $419 | $585-28.3% | $10,281-95.9% | $626-33.1% |