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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $39,174 |
Filed as: VOYA FINANCIAL ADVISORS INC Service code 49 · EIN 41-0945505 | Other Services | $1,594 |
WILSHIRE ASSOCIATES INCORPORATED1+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $35,551 | $48,277-26.4% | $63,244-43.8% | $55,191-35.6% |
| Participation rate | 55.4% | 69.4%-13.9pp | 71.0%-15.6pp | 69.2%-13.7pp |
| Annual return | -1.78% | 2.37%-4.2pp | -70.31%+68.5pp | 10.78%-12.6pp |
| Employer contribution / active EE | $729 | $1,592-54.2% | $2,322-68.6% | $1,899-61.6% |
| Participant deferral / active EE | $1,733 | $2,432-28.8% | $2,953-41.3% | $3,046-43.1% |
| Admin fee / account holder | $235 | $86+172.9% | $5,893-96.0% | $91+158.4% |