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| Provider | Service type | Compensation |
|---|---|---|
Filed as: WILSHIRE ASSOCIATES INC(USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $3,542 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $1,904 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $85,930 | $95,369-9.9% | $135,942-36.8% | $74,440+15.4% |
| Participation rate | 69.8% | 78.2%-8.4pp | 81.9%-12.1pp | 70.7%-1.0pp |
| Annual return | 16.07% | 32.72%-16.7pp | 68.28%-52.2pp | 34.37%-18.3pp |
| Employer contribution / active EE | $2,867 | $3,878-26.1% | $4,858-41.0% | $2,638+8.7% |
| Participant deferral / active EE | $6,816 | $7,788-12.5% | $7,759-12.2% | $4,529+50.5% |
| Admin fee / account holder | $378 | $266+42.0% | $10,764-96.5% | $348+8.7% |