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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $86,263 |
Service code 27 · EIN 04-2675571 | Advisory (Plan) | $53,567 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $156,783 | $129,227+21.3% | $184,256-14.9% | $77,762+101.6% |
| Participation rate | 70.8% | 87.4%-16.6pp | 86.8%-16.0pp | 70.6%+0.2pp |
| Annual return | 11.43% | 33.24%-21.8pp | 28.85%-17.4pp | 31.27%-19.8pp |
| Employer contribution / active EE | $4,072 | $4,412-7.7% | $6,427-36.6% | $2,728+49.3% |
| Participant deferral / active EE | $830 | $7,307-88.6% | $9,133-90.9% | $4,651-82.1% |
| Admin fee / account holder | $382 | $256+49.3% | $13,899-97.3% | $433-11.8% |