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| Provider | Service type | Compensation |
|---|---|---|
WESPAC PLAN SERVICES, LLC4 years Filed as: WESPAC ADVISORS, LLC Service code 26 · EIN 26-2824668 519 17TH STREET · OAKLAND, CA 94612 | Advisory (Participants) | $19,981 |
WESPAC PLAN SERVICES, LLC4 years Service code 15 · EIN 26-2824865 519 17TH STREET · OAKLAND, CA 94612 | Recordkeeping | $10,217 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $50,019 | $98,760-49.4% | $149,715-66.6% | $79,858-37.4% |
| Participation rate | 93.0% | 75.8%+17.2pp | 82.5%+10.5pp | 69.6%+23.4pp |
| Annual return | 17.52% | 27.43%-9.9pp | 276.66%-259.1pp | 31.72%-14.2pp |
| Employer contribution / active EE | $3,446 | $3,217+7.1% | $4,645-25.8% | $2,471+39.5% |
| Participant deferral / active EE | $1,438 | $5,681-74.7% | $6,842-79.0% | $3,740-61.5% |
| Admin fee / account holder | $325 | $6,053-94.6% | $9,310-96.5% | $5,306-93.9% |