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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 | $88,186+4.1% | $165,071-44.4% | $74,459+23.2% |
| Participation rate | 60.5% | 73.1%-12.7pp | 78.6%-18.1pp | 67.2%-6.7pp |
| Annual return | 17.43% | 17.13%+0.3pp | 70.17%-52.7pp | 1369.70%-1352.3pp |
| Employer contribution / active EE | $1,906 | $2,600-26.7% | $4,347-56.2% | $2,626-27.4% |
| Participant deferral / active EE | $5,133 | $4,505+13.9% | $6,035-15.0% | $4,350+18.0% |
| Admin fee / account holder | $741 | $2,234-66.8% | $12,695-94.2% | $1,945-61.9% |