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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $28,912 |
EDWARD JONES3 years Service code 27 · EIN 43-0345811 | Advisory (Plan) | $22,087 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,090 | $84,493-17.0% | $125,381-44.1% | $66,938+4.7% |
| Participation rate | 54.6% | 76.4%-21.8pp | 82.4%-27.8pp | 69.8%-15.2pp |
| Annual return | -18.10% | -8.49%-9.6pp | 572.31%-590.4pp | 1.58%-19.7pp |
| Employer contribution / active EE | $0 | $3,554-100.0% | $4,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $7,424 | $6,783+9.4% | $7,448-0.3% | $4,238+75.2% |
| Admin fee / account holder | $366 | $685-46.6% | $10,007-96.3% | $594-38.3% |