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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $5,343 |
Filed as: WILSHIRE ASSOCIATES INC Service code 26 · EIN 95-2755361 | Advisory (Participants) | $2,357 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $37,652 | $91,695-58.9% | $67,575-44.3% | $77,736-51.6% |
| Participation rate | 49.9% | 76.0%-26.2pp | 72.9%-23.0pp | 70.6%-20.7pp |
| Annual return | 10.58% | 14.88%-4.3pp | 3528.98%-3518.4pp | 31.26%-20.7pp |
| Employer contribution / active EE | $1,586 | $3,189-50.3% | $2,736-42.0% | $2,728-41.9% |
| Participant deferral / active EE | $2,796 | $3,912-28.5% | $4,003-30.2% | $4,651-39.9% |
| Admin fee / account holder | $309 | $245+26.4% | $3,993-92.3% | $433-28.6% |