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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MORGAN STANLEY Service code 49 · EIN 26-4310632 | Other Services | $18,147 |
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $3,372 |
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.
Participant contribution per participant 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 | $106,993 | $85,713+24.8% | $86,691+23.4% | - |
| Participation rate | 39.4% | 72.2%-32.8pp | 76.6%-37.2pp | - |
| Annual return | -13.76% | -20.12%+6.4pp | 35.94%-49.7pp | - |
| Employer contribution / active EE | $807 | $1,789-54.9% | $2,837-71.6% | - |
| Participant deferral / active EE | $2,083 | $3,318-37.2% | $4,656-55.3% | - |
| Admin fee / account holder | $27 | $28,935-99.9% | $7,492-99.6% | - |