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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 | $94,699-5.1% | $185,441-51.5% | $65,306+37.6% |
| Participation rate | 62.5% | 64.2%-1.7pp | 80.3%-17.8pp | 57.7%+4.8pp |
| Annual return | 4.78% | 16.71%-11.9pp | 20.16%-15.4pp | 21.94%-17.2pp |
| Employer contribution / active EE | $3,054 | $2,381+28.3% | $4,672-34.6% | $1,967+55.3% |
| Participant deferral / active EE | $3,247 | $3,568-9.0% | $6,152-47.2% | $2,959+9.7% |
| Admin fee / account holder | $527 | $4,797-89.0% | $17,890-97.1% | $3,480-84.8% |