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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $382 |
WILSHIRE ASSOCIATES INCORPORATED1+ 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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $229,470 | $87,542+162.1% | $75,782+202.8% | $125,393+83.0% |
| Participation rate | 64.3% | 80.2%-15.9pp | 75.8%-11.5pp | 83.2%-18.9pp |
| Annual return | -2.64% | 13.48%-16.1pp | 9.68%-12.3pp | 282.23%-284.9pp |
| Employer contribution / active EE | $1,506 | $3,930-61.7% | $3,323-54.7% | $4,866-69.1% |
| Participant deferral / active EE | $3,069 | $4,229-27.4% | $3,652-15.9% | $5,351-42.6% |
| Admin fee / account holder | $2,894 | $6,502-55.5% | $5,300-45.4% | $9,541-69.7% |