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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC2 years Filed as: FUTUREPLAN BY ASCENSUS Service code 11 · EIN 82-3719843 | Actuarial | $47,249 |
MOSS ADAMS LLP3+ years Service code 10 · EIN 91-0189318 | Accounting | $24,587 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $19,346 |
WILSHIRE ASSOCIATES INCORPORATED3+ years Filed as: WILSHIRE ASSOCIATES INC (USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $12,921 |
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.)
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 | $65,790 | $39,973+64.6% | $79,576-17.3% | $77,906-15.6% |
| Participation rate | 49.1% | 64.6%-15.5pp | 69.5%-20.3pp | 73.7%-24.5pp |
| Annual return | -12.45% | 3.42%-15.9pp | 0.15%-12.6pp | 12.16%-24.6pp |
| Employer contribution / active EE | $1,269 | $1,088+16.7% | $2,413-47.4% | $2,846-55.4% |
| Participant deferral / active EE | $3,767 | $2,774+35.8% | $3,985-5.5% | $4,805-21.6% |
| Admin fee / account holder | $317 | $113+180.5% | $6,834-95.4% | $133+138.8% |