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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $50,212 |
Filed as: VOYA FINANCIAL ADVISORS INC Service code 49 · EIN 41-0945505 | Other Services | $3,274 |
WILSHIRE ASSOCIATES INCORPORATED4+ 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 | $41,435 | $48,261-14.1% | $68,793-39.8% | $55,725-25.6% |
| Participation rate | 50.6% | 71.0%-20.4pp | 72.2%-21.6pp | 70.9%-20.2pp |
| Annual return | -7.37% | -2.61%-4.8pp | -4.63%-2.7pp | 244.93%-252.3pp |
| Employer contribution / active EE | $704 | $1,742-59.6% | $2,625-73.2% | $2,078-66.1% |
| Participant deferral / active EE | $1,633 | $2,712-39.8% | $3,311-50.7% | $3,356-51.3% |
| Admin fee / account holder | $277 | $126+119.9% | $5,131-94.6% | $115+140.9% |