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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $5,276 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $41,048 | $64,176-36.0% | $112,263-63.4% | $66,949-38.7% |
| Participation rate | 63.3% | 68.4%-5.2pp | 75.1%-11.8pp | 69.8%-6.5pp |
| Annual return | -16.07% | -13.80%-2.3pp | 27.49%-43.6pp | 1.57%-17.6pp |
| Employer contribution / active EE | $1,169 | $3,007-61.1% | $3,636-67.9% | $2,545-54.1% |
| Participant deferral / active EE | $3,322 | $3,694-10.1% | $4,729-29.8% | $4,239-21.6% |
| Admin fee / account holder | $45 | $626-92.8% | $6,410-99.3% | $594-92.4% |