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| Provider | Service type | Compensation |
|---|---|---|
Filed as: AMERICAN PORTFOLIOS FINANCIAL SERVI Service code 49 · EIN 11-3018002 | Other Services | $13,551 |
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $13,067 |
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.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $24,147 | $106,230-77.3% | $147,080-83.6% | $77,736-68.9% |
| Participation rate | 21.0% | 78.4%-57.4pp | 82.2%-61.2pp | 70.6%-49.6pp |
| Annual return | 21.11% | 56.91%-35.8pp | 420.17%-399.1pp | 31.26%-10.1pp |
| Employer contribution / active EE | $455 | $4,072-88.8% | $4,933-90.8% | $2,728-83.3% |
| Participant deferral / active EE | $1,088 | $8,001-86.4% | $8,066-86.5% | $4,651-76.6% |
| Admin fee / account holder | $86 | $338-74.6% | $12,989-99.3% | $433-80.2% |