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| Provider | Service type | Compensation |
|---|---|---|
WESPAC PLAN SERVICES, LLC2+ years Service code 13 · EIN 26-2824865 519 17TH STREET · OAKLAND, CA 94612 | Contract Administrator | $3,338 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $14,975 | $56,287-73.4% | $80,977-81.5% | $62,881-76.2% |
| Participation rate | 20.7% | 68.9%-48.3pp | 75.8%-55.2pp | 69.3%-48.7pp |
| Annual return | 34.26% | 22.13%+12.1pp | 17.11%+17.2pp | 20.14%+14.1pp |
| Employer contribution / active EE | $284 | $1,943-85.4% | $3,715-92.3% | $2,281-87.5% |
| Participant deferral / active EE | $710 | $4,196-83.1% | $5,696-87.5% | $3,203-77.8% |
| Admin fee / account holder | $127 | $3,742-96.6% | $5,517-97.7% | $4,296-97.0% |