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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $61,647 |
Filed as: PRINCIPAL SECURITIES INC Service code 49 · EIN 42-0941553 | Other Services | $27,417 |
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 | $45,334 | $56,638-20.0% | $169,397-73.2% | $74,473-39.1% |
| Participation rate | 31.7% | 67.5%-35.8pp | 77.2%-45.5pp | 70.7%-39.0pp |
| Annual return | 24.10% | 24.75%-0.7pp | 406.23%-382.1pp | 34.36%-10.3pp |
| Employer contribution / active EE | $0 | $2,027-100.0% | $4,013-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $2,308 | $4,223-45.3% | $6,223-62.9% | $4,530-49.0% |
| Admin fee / account holder | $348 | $307+13.5% | $9,017-96.1% | $347+0.2% |