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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $4,502 |
Filed as: WILSHIRE ASSOCIATES INC. Service code 26 · EIN 95-2755361 | Advisory (Participants) | $2,061 |
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.)
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 | $91,763 | $88,137+4.1% | $164,975-44.4% | $74,429+23.3% |
| Participation rate | 60.5% | 73.1%-12.6pp | 78.6%-18.1pp | 67.2%-6.7pp |
| Annual return | 17.43% | 17.13%+0.3pp | 70.12%-52.7pp | 1368.38%-1351.0pp |
| Employer contribution / active EE | $1,906 | $2,597-26.6% | $4,343-56.1% | $2,625-27.4% |
| Participant deferral / active EE | $5,133 | $4,501+14.0% | $6,033-14.9% | $4,348+18.0% |
| Admin fee / account holder | $741 | $2,231-66.8% | $12,688-94.2% | $1,944-61.9% |