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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $50,182 |
Filed as: PRINCIPAL SECURITIES INC Service code 27 · EIN 42-0941553 | Advisory (Plan) | $21,396 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $64,956 | $46,688+39.1% | $189,758-65.8% | $69,733-6.8% |
| Participation rate | 57.8% | 61.7%-3.9pp | 79.8%-22.0pp | 62.5%-4.7pp |
| Annual return | 9.34% | 14.35%-5.0pp | 52.62%-43.3pp | 15.22%-5.9pp |
| Employer contribution / active EE | $1,098 | $1,695-35.2% | $4,767-77.0% | $2,250-51.2% |
| Participant deferral / active EE | $1,354 | $2,143-36.8% | $5,856-76.9% | $3,054-55.7% |
| Admin fee / account holder | $326 | $1,700-80.8% | $20,388-98.4% | $3,102-89.5% |