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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $12,890 |
WILSHIRE ASSOCIATES INCORPORATED1+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,362 | $47,078-84.4% | $100,671-92.7% | $55,191-86.7% |
| Participation rate | 63.4% | 58.0%+5.3pp | 70.7%-7.4pp | 69.2%-5.8pp |
| Annual return | -0.21% | 0.65%-0.9pp | 20.43%-20.6pp | 10.78%-11.0pp |
| Employer contribution / active EE | $250 | $1,065-76.5% | $4,012-93.8% | $1,899-86.8% |
| Participant deferral / active EE | $1,418 | $2,038-30.4% | $3,144-54.9% | $3,046-53.4% |
| Admin fee / account holder | $47 | $153-69.6% | $4,850-99.0% | $91-48.7% |