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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $10,432 |
WILSHIRE ASSOCIATES INCORPORATED3+ 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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $14,996 | $38,365-60.9% | $84,637-82.3% | $65,186-77.0% |
| Participation rate | 19.9% | 55.7%-35.7pp | 68.2%-48.3pp | 70.2%-50.3pp |
| Annual return | 20.87% | 32.00%-11.1pp | 258.82%-238.0pp | 29.39%-8.5pp |
| Employer contribution / active EE | $422 | $1,258-66.5% | $2,653-84.1% | $2,177-80.6% |
| Participant deferral / active EE | $726 | $2,278-68.1% | $3,900-81.4% | $3,514-79.3% |
| Admin fee / account holder | $418 | $451-7.4% | $4,914-91.5% | $847-50.7% |