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| Provider | Service type | Compensation |
|---|---|---|
RAYMOND JAMES FINANCIAL SERVICES1+ years Filed as: RAYMOND JAMES INSURANCE GROUP INC Service code 49 · EIN 59-1199408 | Other Services | $8,179 |
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $1,090 |
WILSHIRE ASSOCIATES INCORPORATED1+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,012 | $72,177-64.0% | $115,038-77.4% | $59,633-56.4% |
| Participation rate | 68.2% | 72.6%-4.4pp | 81.4%-13.2pp | 68.7%-0.5pp |
| Annual return | -3.13% | 12.02%-15.2pp | 26.14%-29.3pp | 2041.45%-2044.6pp |
| Employer contribution / active EE | $1,527 | $2,841-46.2% | $4,608-66.9% | $2,203-30.7% |
| Participant deferral / active EE | $3,688 | $4,783-22.9% | $6,026-38.8% | $3,192+15.5% |
| Admin fee / account holder | $14 | $4,927-99.7% | $8,175-99.8% | $4,297-99.7% |