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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $28,911 |
Service code 49 · EIN 31-1438300 | Other Services | $8,108 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $56,588 | $37,463+51.1% | $77,100-26.6% | $66,949-15.5% |
| Participation rate | 59.8% | 52.9%+6.9pp | 67.9%-8.1pp | 69.8%-10.0pp |
| Annual return | -16.88% | -3.25%-13.6pp | 42.35%-59.2pp | 1.57%-18.4pp |
| Employer contribution / active EE | $0 | $1,535-100.0% | $2,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $2,901 | $2,621+10.7% | $4,430-34.5% | $4,239-31.6% |
| Admin fee / account holder | $304 | $568-46.4% | $5,443-94.4% | $594-48.7% |