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| Provider | Service type | Compensation |
|---|---|---|
Filed as: PENSIONMARK FINANCIAL GROUP Service code 26 · EIN 61-1758632 | Advisory (Participants) | $12,172 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $825 |
Filed as: WILSHIRE ASSOCIATES (INC) USA Service code 26 · EIN 95-2755361 | Advisory (Participants) | $487 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $28,698 | $76,696-62.6% | $96,515-70.3% | $71,511-59.9% |
| Participation rate | 38.1% | 66.6%-28.5pp | 74.3%-36.3pp | 67.9%-29.9pp |
| Annual return | 18.28% | 48.32%-30.0pp | 35.73%-17.5pp | 28.86%-10.6pp |
| Employer contribution / active EE | $1,234 | $3,032-59.3% | $3,740-67.0% | $2,589-52.3% |
| Participant deferral / active EE | $1,777 | $3,770-52.9% | $4,880-63.6% | $4,291-58.6% |
| Admin fee / account holder | $331 | $2,030-83.7% | $6,735-95.1% | $1,588-79.2% |