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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY11+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $78,406 |
Filed as: CETERA WEALTH SERVICES LLC Service code 49 · EIN 95-3845382 | Other Services | $9,521 |
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.)
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 | $88,892 | $140,800-36.9% | $89,340-0.5% | $79,634+11.6% |
| Participation rate | 49.5% | 61.9%-12.4pp | 69.6%-20.0pp | 62.5%-13.0pp |
| Annual return | 12.67% | 17.84%-5.2pp | 20.57%-7.9pp | 36.46%-23.8pp |
| Employer contribution / active EE | $1,005 | $2,021-50.3% | $2,231-55.0% | $2,529-60.3% |
| Participant deferral / active EE | $2,540 | $3,219-21.1% | $3,823-33.6% | $3,835-33.8% |
| Admin fee / account holder | $451 | $1,610-72.0% | $6,704-93.3% | $1,002-55.0% |