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| Provider | Service type | Compensation |
|---|---|---|
Filed as: WILSHIRE ASSOCIATES INC. Service code 26 · EIN 95-2755361 1299 OCEAN AVENUE · SANTA MONICA, CA 90401 | Advisory (Participants) | $684 |
Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 14201 | Recordkeeping | $402 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,740 | $65,582-51.6% | $64,097-50.5% | $71,529-55.6% |
| Participation rate | 54.0% | 73.2%-19.2pp | 72.3%-18.3pp | 67.9%-13.9pp |
| Annual return | 15.86% | 18.96%-3.1pp | 33.75%-17.9pp | 28.97%-13.1pp |
| Employer contribution / active EE | $590 | $2,671-77.9% | $2,750-78.5% | $2,590-77.2% |
| Participant deferral / active EE | $1,917 | $3,628-47.2% | $3,881-50.6% | $4,291-55.3% |
| Admin fee / account holder | $20 | $616-96.8% | $3,070-99.4% | $1,588-98.8% |