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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $3,354 |
Filed as: WILSHIRE ADVISORS LLC Service code 26 | Advisory (Participants) | $1,146 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,641 | $50,902-24.1% | $155,534-75.2% | $77,736-50.3% |
| Participation rate | 38.7% | 63.1%-24.4pp | 78.2%-39.5pp | 70.6%-31.9pp |
| Annual return | 14.54% | 34.85%-20.3pp | 64.92%-50.4pp | 31.26%-16.7pp |
| Employer contribution / active EE | $1,189 | $1,991-40.3% | $4,675-74.6% | $2,728-56.4% |
| Participant deferral / active EE | $2,271 | $2,824-19.6% | $5,630-59.7% | $4,651-51.2% |
| Admin fee / account holder | $566 | $437+29.5% | $15,900-96.4% | $433+30.6% |