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| Provider | Service type | Compensation |
|---|---|---|
Filed as: WILSHIRE ASSOCIATS INC. Service code 26 · EIN 95-2755361 | Advisory (Participants) | $6,631 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $475 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $86,472 | $71,142+21.5% | $119,634-27.7% | $64,824+33.4% |
| Participation rate | 85.8% | 78.6%+7.2pp | 79.3%+6.6pp | 71.5%+14.3pp |
| Annual return | 1.65% | -10.01%+11.7pp | -14.98%+16.6pp | 32.84%-31.2pp |
| Employer contribution / active EE | $3,372 | $2,497+35.0% | $4,232-20.3% | $2,507+34.5% |
| Participant deferral / active EE | $4,611 | $4,490+2.7% | $5,601-17.7% | $4,311+7.0% |
| Admin fee / account holder | $414 | $162+155.4% | $10,329-96.0% | $188+120.5% |