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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $94,496 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Opinion is qualified - a specific issue limited the scope or accuracy of the audit.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $95,867 | $92,186+4.0% | $105,624-9.2% | $77,762+23.3% |
| Participation rate | 61.4% | 81.0%-19.6pp | 75.3%-13.8pp | 70.6%-9.1pp |
| Annual return | 11.21% | 17.83%-6.6pp | 116.20%-105.0pp | 31.27%-20.1pp |
| Employer contribution / active EE | $675 | $3,376-80.0% | $3,168-78.7% | $2,728-75.2% |
| Participant deferral / active EE | $3,924 | $5,395-27.3% | $5,013-21.7% | $4,651-15.6% |
| Admin fee / account holder | $347 | $219+58.6% | $10,961-96.8% | $433-19.7% |