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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 73-1399273 | Advisory (Participants) | $22,349 |
Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $2,444 |
Filed as: WILSHIRE ASSOCIATES INC (U.S.A) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $894 |
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).
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 | $16,990 | $92,186-81.6% | $105,624-83.9% | $77,762-78.2% |
| Participation rate | 56.6% | 81.0%-24.5pp | 75.3%-18.7pp | 70.6%-14.0pp |
| Annual return | 13.47% | 17.83%-4.4pp | 116.20%-102.7pp | 31.27%-17.8pp |
| Employer contribution / active EE | $1,061 | $3,376-68.6% | $3,168-66.5% | $2,728-61.1% |
| Participant deferral / active EE | $2,148 | $5,395-60.2% | $5,013-57.1% | $4,651-53.8% |
| Admin fee / account holder | $209 | $219-4.5% | $10,961-98.1% | $433-51.7% |