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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $73,637 |
Filed as: CAMBRIDGE INVESTMENT RESEARCH INC Service code 49 · EIN 42-1445429 | Other Services | $36,261 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $67,181 | $50,902+32.0% | $155,534-56.8% | $77,736-13.6% |
| Participation rate | 53.2% | 63.1%-9.9pp | 78.2%-25.0pp | 70.6%-17.4pp |
| Annual return | 11.53% | 34.85%-23.3pp | 64.92%-53.4pp | 31.26%-19.7pp |
| Employer contribution / active EE | $768 | $1,991-61.4% | $4,675-83.6% | $2,728-71.9% |
| Participant deferral / active EE | $2,098 | $2,824-25.7% | $5,630-62.7% | $4,651-54.9% |
| Admin fee / account holder | $303 | $437-30.7% | $15,900-98.1% | $433-30.1% |