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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $9,952 |
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.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $7,232 | $52,467-86.2% | $57,196-87.4% | $55,167-86.9% |
| Participation rate | 53.4% | 75.8%-22.4pp | 75.3%-21.9pp | 69.0%-15.5pp |
| Annual return | 9.12% | 7.72%+1.4pp | 14.59%-5.5pp | 169.23%-160.1pp |
| Employer contribution / active EE | $1,106 | $2,477-55.4% | $2,683-58.8% | $1,963-43.7% |
| Participant deferral / active EE | $1,837 | $2,830-35.1% | $3,096-40.7% | $3,054-39.8% |
| Admin fee / account holder | $96 | $269-64.4% | $3,141-97.0% | $504-81.0% |