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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $78,969 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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.)
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 | $54,292 | $106,236-48.9% | $112,249-51.6% | $64,819-16.2% |
| Participation rate | 55.9% | 71.7%-15.8pp | 75.1%-19.2pp | 71.5%-15.6pp |
| Annual return | -16.24% | -6.02%-10.2pp | 27.48%-43.7pp | 32.84%-49.1pp |
| Employer contribution / active EE | $895 | $3,166-71.7% | $3,636-75.4% | $2,507-64.3% |
| Participant deferral / active EE | $2,852 | $3,785-24.7% | $4,729-39.7% | $4,311-33.8% |
| Admin fee / account holder | $395 | $452-12.5% | $6,412-93.8% | $188+110.3% |