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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $18,293 |
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.)
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $914,330 | $45,119+1926.5% | $85,126+974.1% | $74,429+1128.5% |
| Participation rate | 35.1% | 49.4%-14.2pp | 67.5%-32.4pp | 67.2%-32.1pp |
| Annual return | 31.41% | 26.28%+5.1pp | 66.63%-35.2pp | 1368.38%-1337.0pp |
| Employer contribution / active EE | $774 | $1,460-47.0% | $2,731-71.7% | $2,625-70.5% |
| Participant deferral / active EE | $1,854 | $2,738-32.3% | $4,523-59.0% | $4,348-57.4% |
| Admin fee / account holder | $359 | $2,214-83.8% | $6,160-94.2% | $1,944-81.6% |