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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $65,683 |
Filed as: PRINCIPAL SECURITIES INC Service code 49 · EIN 42-0941553 | Other Services | $31,383 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $52,175 | $62,686-16.8% | $178,505-70.8% | $77,762-32.9% |
| Participation rate | 32.1% | 66.9%-34.8pp | 77.1%-45.0pp | 70.6%-38.5pp |
| Annual return | 17.84% | 16.16%+1.7pp | 27.16%-9.3pp | 31.27%-13.4pp |
| Employer contribution / active EE | $0 | $1,914-100.0% | $3,955-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $2,255 | $4,224-46.6% | $6,280-64.1% | $4,651-51.5% |
| Admin fee / account holder | $375 | $386-2.8% | $10,428-96.4% | $433-13.3% |