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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC2 years Filed as: ASCENSUS Service code 13 · EIN 82-3719843 | Contract Administrator | $0 |
Service code 25 · EIN 13-5570651 | Directed Trustee | $0 |
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 25 · EIN 42-0127290 | Directed Trustee | $0 |
Filed as: ROYAL ALLIANCE ASSOCIATES, INC. Service code 27 · EIN 93-0987232 | Advisory (Plan) | $0 |
WILSHIRE ASSOCIATES INCORPORATED10+ 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.
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.
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
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 | $40,735 | $50,860-19.9% | $155,574-73.8% | $77,714-47.6% |
| Participation rate | 0.0% | 63.1%-63.1pp | 78.2%-78.2pp | 70.6%-70.6pp |
| Annual return | 10.93% | 34.86%-23.9pp | 64.87%-53.9pp | 31.26%-20.3pp |
| Employer contribution / active EE | $426 | $1,991-78.6% | $4,676-90.9% | $2,727-84.4% |
| Participant deferral / active EE | $1,926 | $2,825-31.8% | $5,629-65.8% | $4,649-58.6% |
| Admin fee / account holder | $421 | $436-3.6% | $15,914-97.4% | $433-2.9% |