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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $20,643 |
Filed as: PRINCIPAL SECURITIES INC Service code 49 · EIN 42-0941553 | Other Services | $10,802 |
WILSHIRE ASSOCIATES INCORPORATED4+ 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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $16,948 | $39,898-57.5% | $121,220-86.0% | $55,725-69.6% |
| Participation rate | 52.9% | 61.2%-8.3pp | 71.8%-18.8pp | 70.9%-17.9pp |
| Annual return | -6.19% | -0.96%-5.2pp | 16.94%-23.1pp | 244.93%-251.1pp |
| Employer contribution / active EE | $272 | $1,295-79.0% | $4,023-93.2% | $2,078-86.9% |
| Participant deferral / active EE | $2,427 | $2,439-0.5% | $3,345-27.5% | $3,356-27.7% |
| Admin fee / account holder | $120 | $95+26.2% | $5,021-97.6% | $115+4.2% |