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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $49,761 |
LPL FINANCIAL3 years Filed as: LPL FINANCIAL LLC Service code 49 | Other Services | $1,209 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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 | $38,709 | $89,515-56.8% | $103,486-62.6% | $80,935-52.2% |
| Participation rate | 100.0% | 76.0%+24.0pp | 80.5%+19.5pp | 67.7%+32.3pp |
| Annual return | 11.34% | 22.82%-11.5pp | 23.93%-12.6pp | 35.66%-24.3pp |
| Employer contribution / active EE | $2,896 | $4,015-27.9% | $4,679-38.1% | $2,757+5.1% |
| Participant deferral / active EE | $1,842 | $5,463-66.3% | $6,628-72.2% | $4,299-57.2% |
| Admin fee / account holder | $394 | $6,527-94.0% | $9,354-95.8% | $6,924-94.3% |