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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 320 PARK AVENUE · NEW YORK, NY 10022 | Recordkeeping | $25,913 |
Filed as: WILSHIRE ASSOCIATES INC. Service code 31 1299 OCEAN AVENUE SUITE 700 · SANTA MONICA, CA 90401 | Named fiduciary | $617 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,975 | $69,745-14.0% | $67,511-11.2% | $74,546-19.5% |
| Participation rate | 38.0% | 71.3%-33.4pp | 72.9%-34.9pp | 67.2%-29.2pp |
| Annual return | 11.86% | -40.37%+52.2pp | 3517.41%-3505.5pp | 1366.03%-1354.2pp |
| Employer contribution / active EE | $1,105 | $2,705-59.2% | $2,733-59.6% | $2,624-57.9% |
| Participant deferral / active EE | $2,307 | $3,636-36.6% | $4,000-42.3% | $4,347-46.9% |
| Admin fee / account holder | $405 | $894-54.7% | $3,999-89.9% | $1,944-79.2% |