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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $17,590 |
LPL FINANCIAL5 years Filed as: LPL FINANCIAL LLC Service code 49 · EIN 95-2834236 | Other Services | $8,822 |
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.
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 | $21,888 | $46,332-52.8% | $143,797-84.8% | $64,824-66.2% |
| Participation rate | 36.7% | 64.2%-27.5pp | 80.3%-43.6pp | 71.5%-34.7pp |
| Annual return | -17.28% | -10.05%-7.2pp | -0.04%-17.2pp | 32.84%-50.1pp |
| Employer contribution / active EE | $442 | $1,911-76.9% | $4,952-91.1% | $2,507-82.4% |
| Participant deferral / active EE | $1,004 | $2,647-62.1% | $5,638-82.2% | $4,311-76.7% |
| Admin fee / account holder | $107 | $154-30.7% | $14,679-99.3% | $188-43.2% |