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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $42,412 |
LPL FINANCIAL6 years Filed as: NEXT FINANCIAL GROUP INC Service code 49 · EIN 54-1900002 | Other Services | $12,528 |
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.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,217 | $72,303-73.4% | $86,698-77.8% | $64,819-70.4% |
| Participation rate | 65.4% | 80.4%-15.1pp | 76.6%-11.2pp | 71.5%-6.1pp |
| Annual return | -19.52% | 392.77%-412.3pp | 35.95%-55.5pp | 32.84%-52.4pp |
| Employer contribution / active EE | $1,996 | $2,393-16.6% | $2,837-29.7% | $2,507-20.4% |
| Participant deferral / active EE | $3,769 | $4,660-19.1% | $4,656-19.1% | $4,311-12.6% |
| Admin fee / account holder | $187 | $174+7.4% | $7,493-97.5% | $188-0.5% |