Filed January 20, 2021
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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $47,177 |
EDWARD JONES1 year Service code 27 · EIN 43-0345811 | Advisory (Plan) | $22,741 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Opinion is qualified - a specific issue limited the scope or accuracy of the audit.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,194 | $106,247-56.5% | $147,096-68.6% | $77,714-40.6% |
| Participation rate | 60.8% | 78.4%-17.6pp | 82.2%-21.4pp | 70.6%-9.8pp |
| Annual return | 33.98% | 56.87%-22.9pp | 419.75%-385.8pp | 31.26%+2.7pp |
| Employer contribution / active EE | $2,634 | $4,069-35.3% | $4,936-46.6% | $2,727-3.4% |
| Participant deferral / active EE | $6,217 | $7,996-22.3% | $8,071-23.0% | $4,649+33.7% |
| Admin fee / account holder | $319 | $338-5.6% | $13,005-97.5% | $433-26.3% |