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| Provider | Service type | Compensation |
|---|---|---|
WESPAC PLAN SERVICES, LLC10+ years Filed as: WESPAC ADVISORS, LLC Service code 26 · EIN 26-2824668 4 ORINDA WAY · ORINDA, CA 94563 | Advisory (Participants) | $50,724 |
LPL FINANCIAL4 years Service code 26 · EIN 95-2834236 4707 EXECUTIVE DRIVE · SAN DIEGO, CA 92121 | Advisory (Participants) | $39,545 |
MARINER LLC2 years Service code 26 · EIN 20-4553256 | Advisory (Participants) | $21,314 |
Filed as: MERRILL Service code 26 · EIN 13-5674085 2815 TOWNSGATE RD · WESTLAKE VILLAGE, CA 91361 | Advisory (Participants) | $18,533 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 13 · EIN 82-3967259 2360 CORPORATE CIRCLE · HENDERSON, NV 89074 | Contract Administrator | $7,223 |
WESPAC PLAN SERVICES, LLC10+ years Service code 13 · EIN 26-2824865 4 ORINDA WAY · ORINDA, CA 94563 | Contract Administrator | $7,130 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $118,209 | $55,470+113.1% | $155,556-24.0% | $74,478+58.7% |
| Participation rate | 81.6% | 61.9%+19.7pp | 78.2%+3.4pp | 67.2%+14.4pp |
| Annual return | 13.80% | 269.80%-256.0pp | 64.84%-51.0pp | 1370.56%-1356.8pp |
| Employer contribution / active EE | $3,767 | $2,267+66.2% | $4,675-19.4% | $2,626+43.4% |
| Participant deferral / active EE | $3,468 | $2,838+22.2% | $5,631-38.4% | $4,350-20.3% |
| Admin fee / account holder | $505 | $1,744-71.1% | $15,885-96.8% | $1,946-74.1% |