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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3646501 | Recordkeeping | $1,690 |
Filed as: WILSHIRE ASSOCIATES INC Service code 26 · EIN 95-2755361 | Advisory (Participants) | $1,271 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $33,920 | $79,003-57.1% | $100,398-66.2% | $74,400-54.4% |
| Participation rate | 87.1% | 79.5%+7.6pp | 81.5%+5.6pp | 67.2%+19.9pp |
| Annual return | 45.77% | 20.62%+25.2pp | 49.32%-3.5pp | 1367.51%-1321.7pp |
| Employer contribution / active EE | $4,458 | $3,015+47.9% | $3,946+13.0% | $2,624+69.9% |
| Participant deferral / active EE | $6,626 | $7,752-14.5% | $8,084-18.0% | $4,348+52.4% |
| Admin fee / account holder | $359 | $1,331-73.0% | $7,893-95.5% | $1,944-81.5% |