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| Provider | Service type | Compensation |
|---|---|---|
Filed as: KESTRA ADVISOR SERVICES Service code 26 · EIN 35-2552359 | Advisory (Participants) | $6,609 |
Filed as: WILSHIRE ASSOCIATES INC (USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $661 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $400 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,332 | $49,451-38.7% | $79,576-61.9% | $66,930-54.7% |
| Participation rate | 39.6% | 61.3%-21.7pp | 69.5%-29.9pp | 69.8%-30.2pp |
| Annual return | -16.48% | 84.25%-100.7pp | 0.15%-16.6pp | 1.57%-18.1pp |
| Employer contribution / active EE | $643 | $1,266-49.2% | $2,413-73.3% | $2,545-74.7% |
| Participant deferral / active EE | $1,441 | $3,159-54.4% | $3,985-63.8% | $4,238-66.0% |
| Admin fee / account holder | $321 | $595-46.0% | $6,834-95.3% | $593-45.9% |