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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $16,103 |
LPL FINANCIAL1 year Filed as: NEXT FINANCIAL GROUP INC Service code 49 · EIN 54-1900002 | Other Services | $5,179 |
WILSHIRE ASSOCIATES INCORPORATED3+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $14,584 | $67,602-78.4% | $82,312-82.3% | $70,126-79.2% |
| Participation rate | 95.6% | 72.8%+22.8pp | 76.9%+18.7pp | 69.5%+26.0pp |
| Annual return | 28.63% | 21.57%+7.1pp | 25.88%+2.8pp | 73.15%-44.5pp |
| Employer contribution / active EE | $904 | $1,755-48.5% | $2,428-62.8% | $2,343-61.4% |
| Participant deferral / active EE | $3,000 | $2,987+0.4% | $3,706-19.0% | $3,332-10.0% |
| Admin fee / account holder | $161 | $4,512-96.4% | $5,608-97.1% | $4,645-96.5% |