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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $1,198 |
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.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $31,531 | $75,183-58.1% | $123,894-74.6% | $55,167-42.8% |
| Participation rate | 40.3% | 72.8%-32.5pp | 81.4%-41.1pp | 69.0%-28.7pp |
| Annual return | 7.42% | 19.01%-11.6pp | 47.52%-40.1pp | 169.23%-161.8pp |
| Employer contribution / active EE | $961 | $2,823-66.0% | $4,617-79.2% | $1,963-51.0% |
| Participant deferral / active EE | $2,035 | $5,084-60.0% | $5,984-66.0% | $3,054-33.4% |
| Admin fee / account holder | $20 | $663-97.0% | $8,357-99.8% | $504-96.0% |