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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $8,548 |
WILSHIRE ASSOCIATES INCORPORATED2+ 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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $11,952 | $36,916-67.6% | $156,551-92.4% | $57,658-79.3% |
| Participation rate | 22.1% | 63.4%-41.3pp | 84.0%-61.9pp | 70.2%-48.1pp |
| Annual return | 11.69% | 12.38%-0.7pp | 32.23%-20.5pp | 5.13%+6.6pp |
| Employer contribution / active EE | $0 | $1,571-100.0% | $5,501-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $1,279 | $1,926-33.6% | $4,871-73.7% | $3,061-58.2% |
| Admin fee / account holder | $101 | $82+21.9% | $13,028-99.2% | $95+6.4% |