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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $27,652 |
Filed as: PRINCIPAL SECURITIES INC Service code 49 · EIN 42-0941553 | Other Services | $14,924 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,842 | $65,125-43.4% | $143,797-74.4% | $66,949-45.0% |
| Participation rate | 48.7% | 65.2%-16.5pp | 80.3%-31.6pp | 69.8%-21.1pp |
| Annual return | -19.04% | -11.13%-7.9pp | -0.04%-19.0pp | 1.57%-20.6pp |
| Employer contribution / active EE | $1,494 | $2,362-36.8% | $4,952-69.8% | $2,545-41.3% |
| Participant deferral / active EE | $2,593 | $2,920-11.2% | $5,638-54.0% | $4,239-38.8% |
| Admin fee / account holder | $318 | $503-36.7% | $14,679-97.8% | $594-46.4% |