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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH LIFE AGENCY INC Service code 49 · EIN 13-2808480 | Other Services | $10,799 |
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $6,822 |
WILSHIRE ASSOCIATES INCORPORATED3+ 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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $0 | $67,411-100.0% | $91,004-100.0% | $70,126-100.0% |
| Participation rate | 0.0% | 71.4%-71.4pp | 75.6%-75.6pp | 69.5%-69.5pp |
| Annual return | 13.47% | -40.16%+53.6pp | 4.60%+8.9pp | 73.15%-59.7pp |
| Employer contribution / active EE | $1,261 | $1,786-29.4% | $2,456-48.6% | $2,343-46.2% |
| Participant deferral / active EE | $3,888 | $2,823+37.7% | $3,548+9.6% | $3,332+16.7% |
| Admin fee / account holder | $0 | $4,236-100.0% | $5,417-100.0% | $4,645-100.0% |