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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $29,447 |
S B H U LIFE AGENCY INC1 year Service code 49 · EIN 13-2896238 | Other Services | $8,322 |
INTAC ACTUARIAL SERVICES8+ years Filed as: INTAC ACTUARIAL SERVICES INC Service code 13 · EIN 22-2446239 | Contract Administrator | $4,763 |
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.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $47,516 | $51,226-7.2% | $82,744-42.6% | $66,938-29.0% |
| Participation rate | 32.8% | 67.9%-35.1pp | 72.6%-39.8pp | 69.8%-37.1pp |
| Annual return | -16.74% | -9.61%-7.1pp | 702.22%-719.0pp | 1.58%-18.3pp |
| Employer contribution / active EE | $0 | $2,612-100.0% | $3,008-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $710 | $3,460-79.5% | $4,395-83.8% | $4,238-83.2% |
| Admin fee / account holder | $382 | $416-8.1% | $5,325-92.8% | $594-35.7% |