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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3646501 | Recordkeeping | $1,491 |
Filed as: WILLSHIRE ASSOCIATES, INC. (NY) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $1,308 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $62,551 | $69,383-9.8% | $101,271-38.2% | $73,493-14.9% |
| Participation rate | 60.1% | 68.4%-8.2pp | 75.8%-15.7pp | 70.7%-10.6pp |
| Annual return | 22.14% | 18.46%+3.7pp | 46.48%-24.3pp | 28.51%-6.4pp |
| Employer contribution / active EE | $732 | $2,628-72.1% | $3,660-80.0% | $2,270-67.7% |
| Participant deferral / active EE | $3,373 | $3,301+2.2% | $4,371-22.8% | $3,740-9.8% |
| Admin fee / account holder | $402 | $704-42.8% | $5,948-93.2% | $513-21.6% |