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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $4,636 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
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).
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 | $15,074 | $65,092-76.8% | $143,799-89.5% | $66,938-77.5% |
| Participation rate | 33.1% | 65.2%-32.1pp | 80.3%-47.3pp | 69.8%-36.8pp |
| Annual return | -19.52% | -11.14%-8.4pp | -0.04%-19.5pp | 1.58%-21.1pp |
| Employer contribution / active EE | $554 | $2,362-76.6% | $4,952-88.8% | $2,545-78.3% |
| Participant deferral / active EE | $1,512 | $2,920-48.2% | $5,638-73.2% | $4,238-64.3% |
| Admin fee / account holder | $95 | $502-81.1% | $14,677-99.4% | $594-84.0% |