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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $48,256 |
S B H U LIFE AGENCY INC1 year Service code 49 · EIN 13-2896238 | Other Services | $21,683 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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).
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 | $73,484 | $91,439-19.6% | $135,974-46.0% | $71,511+2.8% |
| Participation rate | 49.6% | 75.7%-26.0pp | 81.9%-32.3pp | 67.9%-18.3pp |
| Annual return | 15.46% | 29.90%-14.4pp | 68.30%-52.8pp | 28.86%-13.4pp |
| Employer contribution / active EE | $572 | $3,705-84.6% | $4,859-88.2% | $2,589-77.9% |
| Participant deferral / active EE | $4,443 | $7,093-37.4% | $7,760-42.7% | $4,291+3.6% |
| Admin fee / account holder | $555 | $1,267-56.2% | $10,767-94.8% | $1,588-65.1% |