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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $13,254 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $15,639 | $46,173-66.1% | $170,435-90.8% | $69,631-77.5% |
| Participation rate | 27.7% | 63.9%-36.2pp | 83.6%-55.9pp | 70.7%-43.0pp |
| Annual return | 35.79% | 21.62%+14.2pp | 205.94%-170.1pp | 27571.02%-27535.2pp |
| Employer contribution / active EE | $0 | $1,610-100.0% | $5,432-100.0% | $2,032-100.0% |
| Participant deferral / active EE | $1,806 | $2,080-13.2% | $4,939-63.4% | $3,224-44.0% |
| Admin fee / account holder | $113 | $116-2.3% | $13,881-99.2% | $110+2.6% |