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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $67,182 |
Filed as: PRINCIPAL SECURITIES INC Service code 49 · EIN 42-0941553 | Other Services | $27,617 |
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.)
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 | $32,237 | $50,458-36.1% | $160,037-79.9% | $64,824-50.3% |
| Participation rate | 34.9% | 68.0%-33.2pp | 78.0%-43.1pp | 71.5%-36.6pp |
| Annual return | -13.82% | -13.42%-0.4pp | 408.95%-422.8pp | 32.84%-46.7pp |
| Employer contribution / active EE | $0 | $1,722-100.0% | $4,226-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $3,813 | $4,004-4.7% | $6,184-38.3% | $4,311-11.5% |
| Admin fee / account holder | $320 | $706-54.7% | $8,716-96.3% | $188+70.3% |