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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $8,533 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,343 | $30,107-52.4% | $61,452-76.7% | $64,819-77.9% |
| Participation rate | 19.3% | 36.4%-17.1pp | 52.6%-33.2pp | 71.5%-52.1pp |
| Annual return | -20.51% | -13.99%-6.5pp | 338.96%-359.5pp | 32.84%-53.3pp |
| Employer contribution / active EE | $380 | $537-29.2% | $1,160-67.2% | $2,507-84.8% |
| Participant deferral / active EE | $743 | $1,126-34.0% | $2,125-65.0% | $4,311-82.8% |
| Admin fee / account holder | $105 | $148-29.0% | $2,131-95.1% | $188-43.9% |