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| Provider | Service type | Compensation |
|---|---|---|
SHUMWAY, MICHAEL B.1+ years Service code 49 6701 WESTOWN PKWY · WEST DES MOINES, IA 50266 | Other Services | $1,290 |
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $288 |
WILSHIRE ASSOCIATES INCORPORATED1+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $80,526 | $47,969+67.9% | $85,969-6.3% | $52,331+53.9% |
| Participation rate | 18.1% | 61.7%-43.6pp | 76.5%-58.4pp | 68.1%-50.0pp |
| Annual return | 0.35% | -0.13%+0.5pp | 9.32%-9.0pp | 4.54%-4.2pp |
| Employer contribution / active EE | $579 | $1,460-60.3% | $3,474-83.3% | $1,882-69.2% |
| Participant deferral / active EE | $891 | $2,110-57.8% | $3,829-76.7% | $3,022-70.5% |
| Admin fee / account holder | $345 | $530-34.8% | $6,053-94.3% | $592-41.6% |