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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 | $45,343+43.3% | $150,298-56.8% | $67,986-4.5% |
| Participation rate | 57.8% | 51.9%+5.9pp | 77.8%-20.0pp | 57.2%+0.6pp |
| Annual return | 9.34% | 33.28%-23.9pp | 62.79%-53.4pp | 31.67%-22.3pp |
| Employer contribution / active EE | $1,098 | $1,462-24.9% | $4,154-73.6% | $2,019-45.6% |
| Participant deferral / active EE | $1,354 | $2,055-34.1% | $5,453-75.2% | $3,358-59.7% |
| Admin fee / account holder | $326 | $2,250-85.5% | $14,116-97.7% | $3,203-89.8% |