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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $647 |
Filed as: WILSHIRE ASSOCIATES INC (USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $0 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $34,188 | $89,652-61.9% | $141,197-75.8% | $65,186-47.6% |
| Participation rate | 60.3% | 74.7%-14.4pp | 82.5%-22.2pp | 70.2%-9.9pp |
| Annual return | 24.77% | 32.79%-8.0pp | 71.41%-46.6pp | 29.39%-4.6pp |
| Employer contribution / active EE | $1,888 | $3,065-38.4% | $4,736-60.1% | $2,177-13.2% |
| Participant deferral / active EE | $4,018 | $5,691-29.4% | $6,710-40.1% | $3,514+14.3% |
| Admin fee / account holder | $314 | $569-44.8% | $10,265-96.9% | $847-63.0% |