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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $649 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $24,752 | $34,634-28.5% | $77,096-67.9% | $64,819-61.8% |
| Participation rate | 11.2% | 49.8%-38.6pp | 67.9%-56.7pp | 71.5%-60.2pp |
| Annual return | -20.45% | -5.31%-15.1pp | 42.35%-62.8pp | 32.84%-53.3pp |
| Employer contribution / active EE | $338 | $1,385-75.6% | $2,814-88.0% | $2,507-86.5% |
| Participant deferral / active EE | $837 | $2,553-67.2% | $4,429-81.1% | $4,311-80.6% |
| Admin fee / account holder | $24 | $178-86.6% | $5,428-99.6% | $188-87.3% |