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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $4,185 |
UBS FINANCIAL SERVICES INC2 years Service code 27 · EIN 13-2638166 | Advisory (Plan) | $0 |
Filed as: WILSHIRE ASSOCIATES INC (USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $0 |
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $23,094 | $95,388-75.8% | $125,363-81.6% | $77,906-70.4% |
| Participation rate | 97.1% | 78.6%+18.5pp | 82.4%+14.7pp | 73.7%+23.4pp |
| Annual return | 7.51% | 116.19%-108.7pp | 572.15%-564.6pp | 12.16%-4.7pp |
| Employer contribution / active EE | $1,742 | $3,666-52.5% | $4,815-63.8% | $2,846-38.8% |
| Participant deferral / active EE | $5,184 | $7,711-32.8% | $7,447-30.4% | $4,805+7.9% |
| Admin fee / account holder | $147 | $119+23.5% | $10,005-98.5% | $133+10.7% |