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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $87,353 |
Service code 27 · EIN 71-0927304 | Advisory (Plan) | $53,703 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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).
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 | $42,386 | $106,236-60.1% | $112,263-62.2% | $64,824-34.6% |
| Participation rate | 81.3% | 71.7%+9.6pp | 75.1%+6.2pp | 71.5%+9.8pp |
| Annual return | -37.52% | -6.02%-31.5pp | 27.49%-65.0pp | 32.84%-70.4pp |
| Employer contribution / active EE | $1,156 | $3,167-63.5% | $3,636-68.2% | $2,507-53.9% |
| Participant deferral / active EE | $5,491 | $3,786+45.0% | $4,729+16.1% | $4,311+27.4% |
| Admin fee / account holder | $306 | $452-32.3% | $6,410-95.2% | $188+62.7% |