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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH LIFE AGENCY INC Service code 49 · EIN 13-2808480 | Other Services | $16,377 |
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $2,730 |
WILSHIRE ASSOCIATES INCORPORATED1+ years Service code 27 · EIN 95-2755631 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $21,519 | $75,183-71.4% | $123,894-82.6% | $55,167-61.0% |
| Participation rate | 61.7% | 72.8%-11.2pp | 81.4%-19.7pp | 69.0%-7.3pp |
| Annual return | 25.30% | 19.01%+6.3pp | 47.52%-22.2pp | 169.23%-143.9pp |
| Employer contribution / active EE | $682 | $2,823-75.9% | $4,617-85.2% | $1,963-65.3% |
| Participant deferral / active EE | $2,470 | $5,084-51.4% | $5,984-58.7% | $3,054-19.1% |
| Admin fee / account holder | $34 | $663-94.9% | $8,357-99.6% | $504-93.3% |