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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY11+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $58,106 |
Service code 49 · EIN 74-2794194 | Other Services | $9,695 |
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 | $60,483 | $51,736+16.9% | $120,225-49.7% | $67,986-11.0% |
| Participation rate | 66.7% | 46.1%+20.6pp | 69.6%-2.9pp | 57.2%+9.5pp |
| Annual return | 17.27% | 31.98%-14.7pp | 439.23%-422.0pp | 31.67%-14.4pp |
| Employer contribution / active EE | $1,521 | $1,071+42.0% | $3,475-56.2% | $2,019-24.6% |
| Participant deferral / active EE | $5,842 | $2,206+164.9% | $3,999+46.1% | $3,358+74.0% |
| Admin fee / account holder | $570 | $4,159-86.3% | $5,696-90.0% | $3,203-82.2% |