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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $28,556 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $11,208 |
WILSHIRE ASSOCIATES INCORPORATED4+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,182 | $37,196-61.9% | $154,108-90.8% | $55,725-74.5% |
| Participation rate | 72.1% | 64.1%+8.0pp | 83.0%-11.0pp | 70.9%+1.2pp |
| Annual return | -7.34% | 1319.68%-1327.0pp | 735.21%-742.5pp | 244.93%-252.3pp |
| Employer contribution / active EE | $1,201 | $1,614-25.6% | $5,298-77.3% | $2,078-42.2% |
| Participant deferral / active EE | $1,661 | $2,068-19.7% | $5,081-67.3% | $3,356-50.5% |
| Admin fee / account holder | $91 | $102-10.5% | $13,411-99.3% | $115-21.0% |