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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $15,236 |
Filed as: WILSHIRE ASSOCIATES INC(USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $1,928 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $14,895 | $89,123-83.3% | $102,460-85.5% | $77,762-80.8% |
| Participation rate | 50.8% | 80.9%-30.1pp | 76.5%-25.7pp | 70.6%-19.8pp |
| Annual return | 14.03% | 25.05%-11.0pp | 29.47%-15.4pp | 31.27%-17.2pp |
| Employer contribution / active EE | $1,622 | $2,700-39.9% | $3,025-46.4% | $2,728-40.5% |
| Participant deferral / active EE | $2,292 | $5,148-55.5% | $5,056-54.7% | $4,651-50.7% |
| Admin fee / account holder | $104 | $236-56.0% | $9,460-98.9% | $433-76.0% |