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| Provider | Service type | Compensation |
|---|---|---|
Service code 17 · EIN 13-5674085 | Pension Consulting | $36,538 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $33,584 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $89,856 | $91,760-2.1% | $156,181-42.5% | $67,986+32.2% |
| Participation rate | 62.5% | 65.0%-2.5pp | 78.8%-16.3pp | 57.2%+5.3pp |
| Annual return | 4.78% | 18.14%-13.4pp | 64.87%-60.1pp | 31.67%-26.9pp |
| Employer contribution / active EE | $3,054 | $2,419+26.2% | $4,294-28.9% | $2,019+51.3% |
| Participant deferral / active EE | $3,247 | $3,960-18.0% | $6,132-47.0% | $3,358-3.3% |
| Admin fee / account holder | $527 | $3,949-86.6% | $14,586-96.4% | $3,203-83.5% |