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| Provider | Service type | Compensation |
|---|---|---|
Filed as: WILSHIRE ASSOCIATS INC. Service code 26 · EIN 95-2755361 | Advisory (Participants) | $6,008 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $900 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $79,309 | $91,406-13.2% | $130,062-39.0% | $74,473+6.5% |
| Participation rate | 82.9% | 77.8%+5.1pp | 78.5%+4.4pp | 70.7%+12.2pp |
| Annual return | -6.50% | 23.21%-29.7pp | -137.37%+130.9pp | 34.36%-40.9pp |
| Employer contribution / active EE | $3,688 | $2,565+43.8% | $4,322-14.7% | $2,638+39.8% |
| Participant deferral / active EE | $4,022 | $4,724-14.9% | $5,821-30.9% | $4,530-11.2% |
| Admin fee / account holder | $356 | $283+25.5% | $10,601-96.6% | $347+2.5% |