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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $22,340 |
LPL FINANCIAL2 years Filed as: NEXT FINANCIAL GROUP INC Service code 49 · EIN 54-1900002 | Other Services | $6,948 |
WILSHIRE ASSOCIATES INCORPORATED4+ 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.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $13,243 | $59,191-77.6% | $76,767-82.7% | $56,289-76.5% |
| Participation rate | 48.8% | 75.2%-26.4pp | 77.0%-28.1pp | 69.9%-21.0pp |
| Annual return | -11.40% | 6.62%-18.0pp | 2.43%-13.8pp | -9.96%-1.4pp |
| Employer contribution / active EE | $516 | $1,759-70.7% | $2,485-79.2% | $2,111-75.6% |
| Participant deferral / active EE | $2,090 | $3,255-35.8% | $3,852-45.7% | $3,350-37.6% |
| Admin fee / account holder | $182 | $489-62.9% | $6,675-97.3% | $521-65.1% |