Filed December 11, 2017
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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $132,176 |
PBMARES, LLP4 years Service code 49 · EIN 54-0737372 | Other Services | $5,494 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $96,842 | $101,591-4.7% | $147,096-34.2% | $74,429+30.1% |
| Participation rate | 66.0% | 75.5%-9.6pp | 82.2%-16.2pp | 67.2%-1.3pp |
| Annual return | 24.73% | 8746.45%-8721.7pp | 419.75%-395.0pp | 1368.38%-1343.7pp |
| Employer contribution / active EE | $3,393 | $3,813-11.0% | $4,936-31.3% | $2,625+29.2% |
| Participant deferral / active EE | $7,523 | $7,302+3.0% | $8,071-6.8% | $4,348+73.0% |
| Admin fee / account holder | $601 | $1,750-65.7% | $13,005-95.4% | $1,944-69.1% |