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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $34,059 |
Filed as: WILSHIRE ASSOCIATES INC. Service code 26 · EIN 95-2755361 | Advisory (Participants) | $546 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,082 | $49,451-43.2% | $79,580-64.7% | $66,938-58.0% |
| Participation rate | 65.0% | 61.3%+3.7pp | 69.5%-4.5pp | 69.8%-4.8pp |
| Annual return | -19.95% | 84.25%-104.2pp | 0.15%-20.1pp | 1.58%-21.5pp |
| Employer contribution / active EE | $2,399 | $1,266+89.5% | $2,413-0.6% | $2,545-5.7% |
| Participant deferral / active EE | $4,625 | $3,159+46.4% | $3,985+16.1% | $4,238+9.1% |
| Admin fee / account holder | $343 | $595-42.3% | $6,835-95.0% | $594-42.2% |