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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $14,660 |
LPL FINANCIAL6 years Filed as: LPL FINANCIAL LLC Service code 49 · EIN 95-2834236 | Other Services | $9,138 |
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 | $27,116 | $47,180-42.5% | $149,723-81.9% | $74,473-63.6% |
| Participation rate | 37.6% | 63.4%-25.8pp | 78.8%-41.2pp | 70.7%-33.1pp |
| Annual return | 21.58% | 22.75%-1.2pp | 134.50%-112.9pp | 34.36%-12.8pp |
| Employer contribution / active EE | $494 | $1,907-74.1% | $4,821-89.8% | $2,638-81.3% |
| Participant deferral / active EE | $1,108 | $2,730-59.4% | $5,682-80.5% | $4,530-75.5% |
| Admin fee / account holder | $86 | $343-75.0% | $13,215-99.4% | $347-75.3% |