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| Provider | Service type | Compensation |
|---|---|---|
Filed as: WILSHIRE ASSOCIATES INC(USA) Service code 26 · EIN 95-2755361 1299 OCEAN AVENUE · SANTA MONICA, CA 90401 | Advisory (Participants) | $3,301 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $2,842 |
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 | $59,298 | $82,674-28.3% | $125,363-52.7% | $68,495-13.4% |
| Participation rate | 88.8% | 75.0%+13.7pp | 82.4%+6.4pp | 67.9%+20.9pp |
| Annual return | -34.63% | -5.97%-28.7pp | 572.15%-606.8pp | -7.84%-26.8pp |
| Employer contribution / active EE | $5,779 | $3,382+70.9% | $4,815+20.0% | $2,596+122.6% |
| Participant deferral / active EE | $6,609 | $6,111+8.2% | $7,447-11.2% | $4,028+64.1% |
| Admin fee / account holder | $345 | $6,276-94.5% | $10,005-96.6% | $5,403-93.6% |