Filed March 27, 2025
Total covered: 12 employees
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: WILSHIRE ASSOCIATES, INC. Service code 26 · EIN 95-2755361 1299 OCEAN AVE. · SANTA MONICA, CA 90401 | Advisory (Participants) | $428 |
Service code 16 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Consulting | $195 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $11,138 | $52,293-78.7% | $178,499-93.8% | $73,412-84.8% |
| Participation rate | 30.3% | 65.3%-35.0pp | 81.9%-51.6pp | 72.2%-41.9pp |
| Annual return | 36.27% | 34.75%+1.5pp | 151.10%-114.8pp | 59.30%-23.0pp |
| Employer contribution / active EE | $439 | $1,735-74.7% | $5,011-91.2% | $2,234-80.4% |
| Participant deferral / active EE | $1,059 | $2,332-54.6% | $5,202-79.6% | $3,806-72.2% |
| Admin fee / account holder | $23 | $127-81.8% | $13,986-99.8% | $158-85.3% |