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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 | $81,334-9.1% | $113,397-34.8% | $64,097+15.3% |
| Participation rate | 69.9% | 65.6%+4.2pp | 76.5%-6.6pp | 55.2%+14.7pp |
| Annual return | 3.76% | 32.50%-28.7pp | 23.20%-19.4pp | 34.64%-30.9pp |
| Employer contribution / active EE | $761 | $2,077-63.3% | $2,977-74.4% | $1,891-59.8% |
| Participant deferral / active EE | $4,705 | $3,795+24.0% | $5,076-7.3% | $3,080+52.8% |
| Admin fee / account holder | $430 | $4,208-89.8% | $11,957-96.4% | $3,454-87.6% |