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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $60,252 |
S B H U LIFE AGENCY INC7 years Service code 49 · EIN 13-2896238 | Other Services | $21,987 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $37,660 | $62,686-39.9% | $178,540-78.9% | $77,736-51.6% |
| Participation rate | 29.9% | 66.9%-37.0pp | 77.1%-47.2pp | 70.6%-40.7pp |
| Annual return | 11.70% | 16.16%-4.5pp | 27.15%-15.4pp | 31.26%-19.6pp |
| Employer contribution / active EE | $878 | $1,914-54.1% | $3,953-77.8% | $2,728-67.8% |
| Participant deferral / active EE | $1,755 | $4,224-58.4% | $6,281-72.1% | $4,651-62.3% |
| Admin fee / account holder | $440 | $386+13.9% | $10,424-95.8% | $433+1.5% |