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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $5,151 |
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.
Participant contribution per participant 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,210 | $49,471-22.8% | $79,583-52.0% | $66,949-42.9% |
| Participation rate | 33.1% | 61.4%-28.3pp | 69.5%-36.4pp | 69.8%-36.7pp |
| Annual return | -17.63% | 84.30%-101.9pp | 0.16%-17.8pp | 1.57%-19.2pp |
| Employer contribution / active EE | $521 | $1,266-58.8% | $2,414-78.4% | $2,545-79.5% |
| Participant deferral / active EE | $985 | $3,160-68.8% | $3,986-75.3% | $4,239-76.8% |
| Admin fee / account holder | $97 | $595-83.7% | $6,835-98.6% | $594-83.6% |