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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $7,779 |
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.
Participant contribution per participant 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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,396 | $78,275-93.1% | $109,163-95.1% | $86,813-93.8% |
| Participation rate | 42.6% | 73.8%-31.2pp | 75.9%-33.3pp | 72.3%-29.7pp |
| Annual return | 25.79% | 19.14%+6.6pp | 25.75%0pp | 97.93%-72.1pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $3,723-100.0% | $2,406-100.0% |
| Participant deferral / active EE | $574 | $3,641-84.2% | $4,654-87.7% | $4,131-86.1% |
| Admin fee / account holder | $53 | $198-73.2% | $6,754-99.2% | $170-68.6% |