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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $52,028 |
SIGMA FINANCIAL CORPORATION3 years Service code 49 · EIN 38-2472555 | Other Services | $11,817 |
THE OLDENBURG COMPANY INC3 years Service code 49 · EIN 38-2658667 | Other Services | $5,619 |
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.
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 | $73,896 | $85,515-13.6% | $112,040-34.0% | $67,986+8.7% |
| Participation rate | 69.9% | 68.2%+1.6pp | 76.5%-6.6pp | 57.2%+12.6pp |
| Annual return | 3.76% | 29.68%-25.9pp | 24.52%-20.8pp | 31.67%-27.9pp |
| Employer contribution / active EE | $761 | $2,191-65.3% | $2,954-74.2% | $2,019-62.3% |
| Participant deferral / active EE | $4,705 | $4,014+17.2% | $5,098-7.7% | $3,358+40.1% |
| Admin fee / account holder | $430 | $3,774-88.6% | $12,098-96.4% | $3,203-86.6% |