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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $12,780 |
HUMAN RESOURCES CENTER3 years Service code 49 · EIN 37-0922390 | Other Services | $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.
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,648 | $77,901-64.5% | $149,717-81.5% | $75,181-63.2% |
| Participation rate | 24.7% | 65.6%-40.8pp | 78.8%-54.0pp | 67.2%-42.5pp |
| Annual return | 8.13% | 31.73%-23.6pp | 134.41%-126.3pp | 160.69%-152.6pp |
| Employer contribution / active EE | $409 | $3,137-87.0% | $4,820-91.5% | $2,671-84.7% |
| Participant deferral / active EE | $572 | $3,411-83.2% | $5,682-89.9% | $4,126-86.1% |
| Admin fee / account holder | $399 | $5,949-93.3% | $13,213-97.0% | $5,650-92.9% |