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| Provider | Service type | Compensation |
|---|---|---|
Filed as: WILSHIRE ASSOCIATES INC(USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $302 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $150 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,772 | $69,383-72.9% | $101,275-81.5% | $73,497-74.5% |
| Participation rate | 55.4% | 68.4%-13.0pp | 75.8%-20.4pp | 70.7%-15.3pp |
| Annual return | 26.77% | 18.46%+8.3pp | 46.48%-19.7pp | 28.51%-1.7pp |
| Employer contribution / active EE | $906 | $2,628-65.5% | $3,660-75.3% | $2,270-60.1% |
| Participant deferral / active EE | $1,374 | $3,301-58.4% | $4,371-68.6% | $3,740-63.3% |
| Admin fee / account holder | $164 | $704-76.7% | $5,948-97.2% | $513-68.1% |