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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $2,749 |
Filed as: WILSHIRE ASSOCIATES INC(USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $118 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,410 | $80,138-94.5% | $130,231-96.6% | $71,511-93.8% |
| Participation rate | 68.5% | 71.0%-2.5pp | 76.3%-7.8pp | 67.9%+0.5pp |
| Annual return | 22.04% | 16.81%+5.2pp | 38.86%-16.8pp | 28.86%-6.8pp |
| Employer contribution / active EE | $1,109 | $2,834-60.9% | $4,126-73.1% | $2,589-57.2% |
| Participant deferral / active EE | $1,728 | $4,641-62.8% | $6,799-74.6% | $4,291-59.7% |
| Admin fee / account holder | $95 | $1,035-90.8% | $6,020-98.4% | $1,588-94.0% |