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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 | $43,749+48.5% | $158,223-58.9% | $65,306-0.5% |
| Participation rate | 57.8% | 56.9%+0.9pp | 79.2%-21.4pp | 57.7%+0.1pp |
| Annual return | 9.34% | 19.41%-10.1pp | 52.09%-42.8pp | 21.94%-12.6pp |
| Employer contribution / active EE | $1,098 | $1,497-26.7% | $4,109-73.3% | $1,967-44.2% |
| Participant deferral / active EE | $1,354 | $2,019-32.9% | $5,467-75.2% | $2,959-54.2% |
| Admin fee / account holder | $326 | $1,930-83.1% | $16,047-98.0% | $3,480-90.6% |