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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $16,301 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,903 | $60,305-81.9% | $81,780-86.7% | $74,400-85.3% |
| Participation rate | 63.0% | 62.9%+0.2pp | 72.4%-9.3pp | 67.2%-4.2pp |
| Annual return | 5.77% | 16.89%-11.1pp | 776.27%-770.5pp | 1367.51%-1361.7pp |
| Employer contribution / active EE | $414 | $2,623-84.2% | $2,914-85.8% | $2,624-84.2% |
| Participant deferral / active EE | $913 | $3,390-73.1% | $4,321-78.9% | $4,348-79.0% |
| Admin fee / account holder | $135 | $1,484-90.9% | $7,384-98.2% | $1,944-93.1% |