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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $36,442 |
LINCOLN NATIONAL CORPORATION6 years Filed as: LINCOLN INVESTMENT PLANNING INC Service code 49 · EIN 23-1702591 | Other Services | $8,922 |
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.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $65,067 | $72,639-10.4% | $90,766-28.3% | $66,949-2.8% |
| Participation rate | 32.2% | 73.7%-41.5pp | 75.7%-43.5pp | 69.8%-37.6pp |
| Annual return | -14.85% | -12.28%-2.6pp | -12.16%-2.7pp | 1.57%-16.4pp |
| Employer contribution / active EE | $720 | $2,369-69.6% | $2,922-75.3% | $2,545-71.7% |
| Participant deferral / active EE | $1,349 | $3,979-66.1% | $4,565-70.5% | $4,239-68.2% |
| Admin fee / account holder | $536 | $708-24.3% | $8,446-93.7% | $594-9.7% |