Filed February 26, 2013
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $72,603 |
Service code 49 · EIN 52-2114207 | Other Services | $10,454 |
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.
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $85,229 | $69,255+23.1% | $121,871-30.1% | $69,255+23.1% |
| Participation rate | 28.6% | 69.0%-40.4pp | 73.2%-44.6pp | 69.0%-40.4pp |
| Annual return | 8.34% | 26.73%-18.4pp | 13.57%-5.2pp | 26.73%-18.4pp |
| Employer contribution / active EE | $673 | $2,645-74.6% | $2,731-75.4% | $2,645-74.6% |
| Participant deferral / active EE | $1,036 | $2,890-64.2% | $4,318-76.0% | $2,890-64.2% |
| Admin fee / account holder | $346 | $733-52.8% | $11,551-97.0% | $733-52.8% |