Filed June 8, 2021
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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $175 |
Filed as: WILSHIRE ASSOCIATES Service code 26 · EIN 95-2755361 | Advisory (Participants) | $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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,609 | $64,138-55.4% | $112,258-74.5% | $66,930-57.3% |
| Participation rate | 47.2% | 68.5%-21.3pp | 75.1%-27.9pp | 69.8%-22.7pp |
| Annual return | -16.39% | -13.81%-2.6pp | 27.47%-43.9pp | 1.57%-18.0pp |
| Employer contribution / active EE | $2,027 | $3,006-32.6% | $3,636-44.2% | $2,545-20.3% |
| Participant deferral / active EE | $1,830 | $3,694-50.4% | $4,728-61.3% | $4,238-56.8% |
| Admin fee / account holder | $242 | $625-61.2% | $6,411-96.2% | $593-59.1% |