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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $65,001 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $100,421 | $50,860+97.4% | $155,574-35.5% | $77,714+29.2% |
| Participation rate | 32.1% | 63.1%-31.0pp | 78.2%-46.1pp | 70.6%-38.4pp |
| Annual return | 11.22% | 34.86%-23.6pp | 64.87%-53.6pp | 31.26%-20.0pp |
| Employer contribution / active EE | $0 | $1,991-100.0% | $4,676-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $2,110 | $2,825-25.3% | $5,629-62.5% | $4,649-54.6% |
| Admin fee / account holder | $570 | $436+30.6% | $15,914-96.4% | $433+31.6% |