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| Provider | Service type | Compensation |
|---|---|---|
EDWARD JONES8+ years Service code 27 · EIN 43-0345811 | Advisory (Plan) | $32,116 |
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $20,033 |
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.
Employer 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 | $27,977 | $46,325-39.6% | $143,788-80.5% | $64,814-56.8% |
| Participation rate | 55.0% | 64.2%-9.3pp | 80.3%-25.3pp | 71.5%-16.5pp |
| Annual return | -16.30% | -10.05%-6.2pp | -0.03%-16.3pp | 32.84%-49.1pp |
| Employer contribution / active EE | $296 | $1,911-84.5% | $4,952-94.0% | $2,507-88.2% |
| Participant deferral / active EE | $2,429 | $2,647-8.2% | $5,638-56.9% | $4,310-43.7% |
| Admin fee / account holder | $47 | $154-69.5% | $14,675-99.7% | $188-75.0% |