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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 | $79,867-7.5% | $120,344-38.6% | $64,340+14.9% |
| Participation rate | 69.9% | 63.0%+6.9pp | 76.7%-6.9pp | 55.2%+14.6pp |
| Annual return | 3.76% | 21.10%-17.3pp | 20.30%-16.5pp | 24.14%-20.4pp |
| Employer contribution / active EE | $761 | $1,925-60.4% | $3,020-74.8% | $1,862-59.1% |
| Participant deferral / active EE | $4,705 | $3,593+30.9% | $5,135-8.4% | $2,980+57.9% |
| Admin fee / account holder | $430 | $5,039-91.5% | $12,742-96.6% | $3,703-88.4% |