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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $7,076 |
WILSHIRE ASSOCIATES INCORPORATED3+ 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.
Employer contribution per participant 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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $6,198 | $51,466-88.0% | $78,778-92.1% | $62,293-90.1% |
| Participation rate | 49.7% | 59.8%-10.0pp | 69.2%-19.4pp | 69.5%-19.8pp |
| Annual return | 16.54% | 19.96%-3.4pp | 35.62%-19.1pp | 28.90%-12.4pp |
| Employer contribution / active EE | $0 | $827-100.0% | $1,986-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,345 | $2,147-37.4% | $2,958-54.5% | $3,169-57.6% |
| Admin fee / account holder | $67 | $489-86.2% | $5,134-98.7% | $479-85.9% |