Filed October 7, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $77,689 |
Service code 49 · EIN 74-2794194 | Other Services | $25,067 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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 | $27,071 | $45,000-39.8% | $143,799-81.2% | $77,906-65.3% |
| Participation rate | 84.6% | 66.8%+17.8pp | 80.3%+4.3pp | 73.7%+10.9pp |
| Annual return | -8.92% | 29.03%-37.9pp | -0.04%-8.9pp | 12.16%-21.1pp |
| Employer contribution / active EE | $545 | $1,870-70.8% | $4,952-89.0% | $2,846-80.9% |
| Participant deferral / active EE | $4,380 | $3,157+38.8% | $5,638-22.3% | $4,805-8.8% |
| Admin fee / account holder | $54 | $98-45.6% | $14,677-99.6% | $133-59.6% |