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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $49,942 |
Service code 49 · EIN 74-2794194 | Other Services | $8,742 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,106 | $45,602-12.1% | $117,498-65.9% | $66,930-40.1% |
| Participation rate | 62.0% | 57.6%+4.4pp | 70.6%-8.6pp | 69.8%-7.8pp |
| Annual return | -15.99% | -16.74%+0.8pp | 29.75%-45.7pp | 1.57%-17.6pp |
| Employer contribution / active EE | $1,416 | $1,579-10.3% | $4,178-66.1% | $2,545-44.4% |
| Participant deferral / active EE | $5,309 | $2,845+86.6% | $4,071+30.4% | $4,238+25.3% |
| Admin fee / account holder | $406 | $661-38.5% | $5,646-92.8% | $593-31.6% |