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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 | $98,547-8.8% | $216,567-58.5% | $69,733+28.9% |
| Participation rate | 62.5% | 68.4%-5.9pp | 81.6%-19.1pp | 62.5%0pp |
| Annual return | 4.78% | 14.25%-9.5pp | 12.94%-8.2pp | 15.22%-10.4pp |
| Employer contribution / active EE | $3,054 | $2,660+14.8% | $5,216-41.4% | $2,250+35.7% |
| Participant deferral / active EE | $3,247 | $3,496-7.1% | $6,191-47.5% | $3,054+6.3% |
| Admin fee / account holder | $527 | $4,094-87.1% | $21,981-97.6% | $3,102-83.0% |