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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $3,628 |
WILSHIRE ASSOCIATES INCORPORATED3+ 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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $15,922 | $23,224-31.4% | $71,089-77.6% | $55,725-71.4% |
| Participation rate | 8.7% | 37.9%-29.2pp | 54.6%-45.9pp | 70.9%-62.1pp |
| Annual return | -9.31% | -2.87%-6.4pp | 650.65%-660.0pp | 244.93%-254.2pp |
| Employer contribution / active EE | $4 | $436-99.0% | $1,088-99.6% | $2,078-99.8% |
| Participant deferral / active EE | $483 | $929-48.1% | $1,873-74.2% | $3,356-85.6% |
| Admin fee / account holder | $68 | $118-41.9% | $3,082-97.8% | $115-40.6% |