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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 | $95,084-22.3% | $140,514-47.4% | $69,733+6.0% |
| Participation rate | 69.9% | 68.7%+1.2pp | 77.8%-7.9pp | 62.5%+7.4pp |
| Annual return | 3.76% | 18.56%-14.8pp | 14.36%-10.6pp | 15.22%-11.5pp |
| Employer contribution / active EE | $761 | $2,405-68.3% | $3,378-77.5% | $2,250-66.2% |
| Participant deferral / active EE | $4,705 | $3,868+21.6% | $4,919-4.3% | $3,054+54.0% |
| Admin fee / account holder | $430 | $4,885-91.2% | $13,697-96.9% | $3,102-86.1% |