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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $11,128 |
CETERA ADVISOR NETWORKS LLC2+ years Service code 49 · EIN 95-3845382 | Other Services | $9,290 |
WILSHIRE ASSOCIATES INCORPORATED2+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Employer 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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $12,931 | $68,408-81.1% | $57,196-77.4% | $57,658-77.6% |
| Participation rate | 81.1% | 79.1%+2.0pp | 75.3%+5.8pp | 70.2%+10.9pp |
| Annual return | 8.94% | 8.51%+0.4pp | 14.59%-5.7pp | 5.13%+3.8pp |
| Employer contribution / active EE | $616 | $2,869-78.5% | $2,683-77.1% | $1,974-68.8% |
| Participant deferral / active EE | $2,318 | $2,903-20.2% | $3,096-25.1% | $3,061-24.3% |
| Admin fee / account holder | $38 | $70-45.8% | $3,141-98.8% | $95-60.1% |