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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 | $50,812+32.2% | $155,602-56.8% | $77,692-13.5% |
| Participation rate | 53.2% | 63.1%-9.9pp | 78.2%-25.0pp | 70.6%-17.4pp |
| Annual return | 11.53% | 34.85%-23.3pp | 64.81%-53.3pp | 31.25%-19.7pp |
| Employer contribution / active EE | $768 | $1,989-61.4% | $4,675-83.6% | $2,726-71.8% |
| Participant deferral / active EE | $2,098 | $2,822-25.7% | $5,629-62.7% | $4,648-54.9% |
| Admin fee / account holder | $303 | $436-30.5% | $15,923-98.1% | $431-29.6% |