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| Provider | Service type | Compensation |
|---|---|---|
THE CORNERSTONE INS GROUP LLC3+ years Service code 49 · EIN 20-5136773 | Other Services | $8,130 |
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $4,037 |
WILSHIRE ASSOCIATES INCORPORATED3+ 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.
Employer contribution per participant 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,939 | $48,064-14.8% | $78,778-48.0% | $69,631-41.2% |
| Participation rate | 34.6% | 61.6%-26.9pp | 69.2%-34.6pp | 70.7%-36.1pp |
| Annual return | 14.19% | 21.81%-7.6pp | 35.62%-21.4pp | 27571.02%-27556.8pp |
| Employer contribution / active EE | $144 | $744-80.7% | $1,986-92.8% | $2,032-92.9% |
| Participant deferral / active EE | $951 | $2,079-54.3% | $2,958-67.9% | $3,224-70.5% |
| Admin fee / account holder | $42 | $152-72.3% | $5,134-99.2% | $110-61.9% |