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| Provider | Service type | Compensation |
|---|---|---|
WESPAC PLAN SERVICES, LLC3+ years Filed as: WESPAC ADVISORS, LLC Service code 27 · EIN 26-2824668 519 17TH STREET, 5TH FLOOR · OAKLAND, CA 94612 | Advisory (Plan) | $22,374 |
WESPAC PLAN SERVICES, LLC3+ years Service code 15 · EIN 26-2824865 519 17TH STREET · OAKLAND, CA 94612 | Recordkeeping | $10,882 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $54,216 | $80,753-32.9% | $136,298-60.2% | $62,293-13.0% |
| Participation rate | 54.2% | 73.5%-19.4pp | 81.9%-27.8pp | 69.5%-15.3pp |
| Annual return | 22.23% | 35.83%-13.6pp | 5156.27%-5134.0pp | 28.90%-6.7pp |
| Employer contribution / active EE | $0 | $2,884-100.0% | $4,696-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $8,185 | $5,164+58.5% | $6,247+31.0% | $3,169+158.3% |
| Admin fee / account holder | $305 | $525-41.9% | $9,244-96.7% | $479-36.3% |