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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $11,970 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,647 | $49,451-70.4% | $79,576-81.6% | $66,930-78.1% |
| Participation rate | 80.4% | 61.3%+19.0pp | 69.5%+10.9pp | 69.8%+10.6pp |
| Annual return | -21.05% | 84.25%-105.3pp | 0.15%-21.2pp | 1.57%-22.6pp |
| Employer contribution / active EE | $1,043 | $1,266-17.6% | $2,413-56.8% | $2,545-59.0% |
| Participant deferral / active EE | $5,831 | $3,159+84.6% | $3,985+46.3% | $4,238+37.6% |
| Admin fee / account holder | $126 | $595-78.8% | $6,834-98.2% | $593-78.8% |