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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 RETIREMENT PLAN SERVICES, ET9 · BUFFALO, NY 142010600 | Recordkeeping | $1,650 |
Filed as: WILSHIRE ASSOCIATES INC(USA) Service code 26 · EIN 95-2755361 1299 OCEAN AVENUE · SANTA MONICA, CA 90401 | Advisory (Participants) | $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).
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 | $27,870 | $24,891+12.0% | $69,623-60.0% | $74,459-62.6% |
| Participation rate | 22.6% | 63.4%-40.8pp | 66.4%-43.8pp | 67.2%-44.6pp |
| Annual return | 12.02% | 18.53%-6.5pp | 101.23%-89.2pp | 1369.70%-1357.7pp |
| Employer contribution / active EE | $0 | $1,005-100.0% | $1,709-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,840 | $1,908-3.6% | $2,890-36.3% | $4,350-57.7% |
| Admin fee / account holder | $333 | $1,904-82.5% | $4,696-92.9% | $1,945-82.9% |