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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $51,788 |
Filed as: PRINCIPAL SECURITIES INC Service code 27 · EIN 42-0941553 | Advisory (Plan) | $20,619 |
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.
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 | $58,793 | $55,437+6.1% | $155,534-62.2% | $74,459-21.0% |
| Participation rate | 69.7% | 61.9%+7.8pp | 78.2%-8.5pp | 67.2%+2.5pp |
| Annual return | 10.99% | 269.58%-258.6pp | 64.92%-53.9pp | 1369.70%-1358.7pp |
| Employer contribution / active EE | $1,143 | $2,266-49.5% | $4,675-75.5% | $2,626-56.5% |
| Participant deferral / active EE | $1,449 | $2,837-48.9% | $5,630-74.3% | $4,350-66.7% |
| Admin fee / account holder | $314 | $1,742-82.0% | $15,900-98.0% | $1,945-83.9% |