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| Provider | Service type | Compensation |
|---|---|---|
Filed as: WILSHIRE ASSOCIATES INC Service code 26 · EIN 95-2755361 | Advisory (Participants) | $506 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $400 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $68,035 | $79,189-14.1% | $102,457-33.6% | $74,400-8.6% |
| Participation rate | 70.1% | 74.8%-4.7pp | 76.5%-6.4pp | 67.2%+2.9pp |
| Annual return | 9.91% | 54.98%-45.1pp | 29.41%-19.5pp | 1367.51%-1357.6pp |
| Employer contribution / active EE | $428 | $2,362-81.9% | $3,022-85.8% | $2,624-83.7% |
| Participant deferral / active EE | $3,066 | $4,415-30.6% | $5,054-39.3% | $4,348-29.5% |
| Admin fee / account holder | $330 | $2,002-83.5% | $9,451-96.5% | $1,944-83.0% |