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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $4,527 |
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.
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).
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 | $7,341 | $31,679-76.8% | $74,723-90.2% | $65,186-88.7% |
| Participation rate | 24.2% | 40.4%-16.2pp | 54.5%-30.3pp | 70.2%-46.0pp |
| Annual return | 24.44% | 39.04%-14.6pp | 753.18%-728.7pp | 29.39%-4.9pp |
| Employer contribution / active EE | $218 | $566-61.5% | $1,084-79.9% | $2,177-90.0% |
| Participant deferral / active EE | $483 | $1,191-59.5% | $1,962-75.4% | $3,514-86.3% |
| Admin fee / account holder | $73 | $379-80.7% | $3,335-97.8% | $847-91.4% |