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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $17,210 |
MORNINGSTAR2 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
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.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $11,771 | $44,898-73.8% | $85,126-86.2% | $199,921-94.1% |
| Participation rate | 7.4% | 45.7%-38.4pp | 67.5%-60.2pp | 72.0%-64.6pp |
| Annual return | 12.52% | 20.98%-8.5pp | 66.63%-54.1pp | 34.28%-21.8pp |
| Employer contribution / active EE | $0 | $1,367-100.0% | $2,731-100.0% | $3,035-100.0% |
| Participant deferral / active EE | $396 | $2,670-85.2% | $4,523-91.3% | $5,089-92.2% |
| Admin fee / account holder | $151 | $585-74.2% | $6,160-97.5% | $269-43.9% |