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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $11,918 |
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.
Annual investment return 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,803 | $64,176-80.0% | $112,263-88.6% | $66,949-80.9% |
| Participation rate | 60.1% | 68.4%-8.3pp | 75.1%-14.9pp | 69.8%-9.7pp |
| Annual return | -20.88% | -13.80%-7.1pp | 27.49%-48.4pp | 1.57%-22.5pp |
| Employer contribution / active EE | $1,785 | $3,007-40.6% | $3,636-50.9% | $2,545-29.9% |
| Participant deferral / active EE | $3,454 | $3,694-6.5% | $4,729-27.0% | $4,239-18.5% |
| Admin fee / account holder | $128 | $626-79.6% | $6,410-98.0% | $594-78.5% |