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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $113,891 |
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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $97,188 | $89,123+9.0% | $102,460-5.1% | $77,762+25.0% |
| Participation rate | 65.4% | 80.9%-15.5pp | 76.5%-11.1pp | 70.6%-5.2pp |
| Annual return | 13.79% | 25.05%-11.3pp | 29.47%-15.7pp | 31.27%-17.5pp |
| Employer contribution / active EE | $621 | $2,700-77.0% | $3,025-79.5% | $2,728-77.2% |
| Participant deferral / active EE | $3,368 | $5,148-34.6% | $5,056-33.4% | $4,651-27.6% |
| Admin fee / account holder | $229 | $236-3.0% | $9,460-97.6% | $433-47.2% |