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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $53,027 |
Filed as: MML INSURANCE AGENCY LLC Service code 49 · EIN 04-3109325 | Other Services | $0 |
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 | $82,750 | $47,163+75.5% | $149,696-44.7% | $74,460+11.1% |
| Participation rate | 33.1% | 63.4%-30.3pp | 78.8%-45.7pp | 70.7%-37.6pp |
| Annual return | 15.40% | 22.75%-7.4pp | 134.46%-119.1pp | 34.38%-19.0pp |
| Employer contribution / active EE | $0 | $1,907-100.0% | $4,821-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $1,934 | $2,730-29.1% | $5,682-66.0% | $4,530-57.3% |
| Admin fee / account holder | $438 | $343+27.8% | $13,212-96.7% | $348+26.0% |