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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $944 |
Filed as: WILSHIRE ASSOCIATES INC Service code 26 · EIN 95-2755361 | Advisory (Participants) | $473 |
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 | $26,626 | $46,596-42.9% | $64,099-58.5% | $75,181-64.6% |
| Participation rate | 71.1% | 65.9%+5.2pp | 72.3%-1.2pp | 67.2%+3.9pp |
| Annual return | 18.93% | 26.04%-7.1pp | 33.70%-14.8pp | 160.69%-141.8pp |
| Employer contribution / active EE | $2,826 | $1,975+43.1% | $2,748+2.8% | $2,671+5.8% |
| Participant deferral / active EE | $5,070 | $2,837+78.7% | $3,881+30.6% | $4,126+22.9% |
| Admin fee / account holder | $302 | $2,954-89.8% | $3,070-90.2% | $5,650-94.7% |