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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $29,287 |
RSM US LLP6 years Service code 10 · EIN 42-0714325 | Accounting | $14,720 |
Filed as: PRINCIPAL SECURITIES INC Service code 49 · EIN 42-0941553 | Other Services | $12,366 |
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 | $66,678 | $63,442+5.1% | $68,794-3.1% | $66,930-0.4% |
| Participation rate | 43.8% | 60.0%-16.2pp | 69.0%-25.2pp | 69.8%-26.0pp |
| Annual return | -14.85% | -8.29%-6.6pp | -6.37%-8.5pp | 1.57%-16.4pp |
| Employer contribution / active EE | $551 | $1,775-68.9% | $2,656-79.2% | $2,545-78.3% |
| Participant deferral / active EE | $2,008 | $2,945-31.8% | $3,941-49.1% | $4,238-52.6% |
| Admin fee / account holder | $454 | $577-21.4% | $4,934-90.8% | $593-23.5% |