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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $15,563 |
UBS FINANCIAL SERVICES INC2 years Service code 49 · EIN 51-0120742 | Other Services | $5,081 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $7,524 | $52,122-85.6% | $104,301-92.8% | $64,819-88.4% |
| Participation rate | 90.5% | 56.0%+34.5pp | 73.3%+17.3pp | 71.5%+19.1pp |
| Annual return | -20.54% | 13.26%-33.8pp | 24.61%-45.2pp | 32.84%-53.4pp |
| Employer contribution / active EE | $728 | $1,627-55.2% | $3,373-78.4% | $2,507-70.9% |
| Participant deferral / active EE | $3,233 | $2,823+14.5% | $4,626-30.1% | $4,311-25.0% |
| Admin fee / account holder | $43 | $155-72.0% | $7,340-99.4% | $188-76.9% |