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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $32,836 |
EDWARD JONES2 years Service code 27 · EIN 43-0345811 | Advisory (Plan) | $24,475 |
Service code 27 · EIN 83-0700995 | Advisory (Plan) | $5,342 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,809 | $45,123+34.8% | $85,240-28.7% | $74,478-18.4% |
| Participation rate | 69.0% | 49.4%+19.7pp | 67.5%+1.5pp | 67.2%+1.8pp |
| Annual return | 14.10% | 26.32%-12.2pp | 66.75%-52.7pp | 1370.56%-1356.5pp |
| Employer contribution / active EE | $1,206 | $1,459-17.3% | $2,735-55.9% | $2,626-54.1% |
| Participant deferral / active EE | $4,120 | $2,736+50.6% | $4,527-9.0% | $4,350-5.3% |
| Admin fee / account holder | $117 | $2,215-94.7% | $6,165-98.1% | $1,946-94.0% |