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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $7,052 |
WILSHIRE ASSOCIATES INCORPORATED2+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
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 | $13,786 | $39,819-65.4% | $67,834-79.7% | $57,658-76.1% |
| Participation rate | 14.8% | 61.2%-46.4pp | 68.8%-54.0pp | 70.2%-55.4pp |
| Annual return | 64.98% | 9.19%+55.8pp | 138.47%-73.5pp | 5.13%+59.9pp |
| Employer contribution / active EE | $0 | $1,277-100.0% | $2,403-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $806 | $2,209-63.5% | $3,160-74.5% | $3,061-73.7% |
| Admin fee / account holder | $146 | $84+74.8% | $4,622-96.8% | $95+54.6% |