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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $61,406 |
MORNINGSTAR2 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $264,611 | $61,338+331.4% | $149,717+76.7% | $71,495+270.1% |
| Participation rate | 91.8% | 62.5%+29.3pp | 78.8%+13.0pp | 67.9%+23.9pp |
| Annual return | 18.16% | 35.86%-17.7pp | 134.41%-116.2pp | 28.85%-10.7pp |
| Employer contribution / active EE | $6,965 | $2,381+192.5% | $4,820+44.5% | $2,589+169.0% |
| Participant deferral / active EE | $7,014 | $2,919+140.3% | $5,682+23.5% | $4,291+63.5% |
| Admin fee / account holder | $472 | $1,263-62.6% | $13,213-96.4% | $1,588-70.2% |