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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $32,543 |
Filed as: LINCOLN FINANCIAL ADVISORS CORP Service code 49 · EIN 35-1151034 | Other Services | $13,508 |
WILSHIRE ASSOCIATES INCORPORATED2+ years Filed as: WILSHIRE ASSOCIATES INC 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).
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 | $17,009 | $37,044-54.1% | $71,796-76.3% | $57,658-70.5% |
| Participation rate | 60.9% | 61.1%-0.2pp | 69.1%-8.2pp | 70.2%-9.4pp |
| Annual return | 7.97% | 12.64%-4.7pp | 78.04%-70.1pp | 5.13%+2.8pp |
| Employer contribution / active EE | $460 | $720-36.2% | $1,924-76.1% | $1,974-76.7% |
| Participant deferral / active EE | $2,239 | $1,974+13.4% | $2,794-19.9% | $3,061-26.8% |
| Admin fee / account holder | $145 | $101+43.9% | $4,815-97.0% | $95+53.7% |