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| Provider | Service type | Compensation |
|---|---|---|
Filed as: WILSHIRE ASSOCIATS INC. Service code 26 · EIN 95-2755361 | Advisory (Participants) | $6,441 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $1,500 |
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 | $83,832 | $89,465-6.3% | $165,071-49.2% | $77,736+7.8% |
| Participation rate | 90.1% | 78.6%+11.5pp | 78.6%+11.5pp | 70.6%+19.6pp |
| Annual return | 15.90% | 28.86%-13.0pp | 70.17%-54.3pp | 31.26%-15.4pp |
| Employer contribution / active EE | $2,954 | $2,565+15.2% | $4,347-32.1% | $2,728+8.3% |
| Participant deferral / active EE | $4,763 | $4,904-2.9% | $6,035-21.1% | $4,651+2.4% |
| Admin fee / account holder | $356 | $340+4.8% | $12,695-97.2% | $433-17.8% |