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| Provider | Service type | Compensation |
|---|---|---|
Service code 49 · EIN 51-0120742 | Other Services | $3,958 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $1,183 |
WILSHIRE ASSOCIATES INCORPORATED5+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,700 | $62,581-76.5% | $124,693-88.2% | $86,813-83.1% |
| Participation rate | 39.4% | 56.9%-17.5pp | 74.6%-35.2pp | 72.3%-32.9pp |
| Annual return | 76.92% | 26.67%+50.2pp | 5144.19%-5067.3pp | 97.93%-21.0pp |
| Employer contribution / active EE | $0 | $1,604-100.0% | $3,324-100.0% | $2,406-100.0% |
| Participant deferral / active EE | $1,669 | $2,725-38.8% | $4,615-63.8% | $4,131-59.6% |
| Admin fee / account holder | $10 | $170-94.0% | $7,494-99.9% | $170-94.0% |