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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER Service code 15 · EIN 84-0467907 | Recordkeeping | $513,212 |
Filed as: WILSHIRE ADVISORS LLC Service code 50 · EIN 95-2755361 | Direct Payment | $277,914 |
BLACKROCK6 years Service code 21 · EIN 94-3112180 | Bank Trustee | $105,948 |
BAKER TILLY US, LLP2 years Service code 10 · EIN 39-0859910 | Accounting | $61,393 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $145,669 | $125,029+16.5% | $90,767+60.5% | $78,104+86.5% |
| Participation rate | 92.5% | 93.0%-0.4pp | 75.7%+16.8pp | 74.5%+18.0pp |
| Annual return | -16.04% | -14.80%-1.2pp | -12.16%-3.9pp | 10.90%-26.9pp |
| Employer contribution / active EE | $2,339 | $4,916-52.4% | $2,922-20.0% | $3,128-25.2% |
| Participant deferral / active EE | $6,082 | $7,684-20.8% | $4,565+33.2% | $5,089+19.5% |
| Admin fee / account holder | $90 | $56+60.7% | $8,445-98.9% | $79+13.5% |