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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $5,067 |
Filed as: PRINCIPAL SECURITIES, INC Service code 49 · EIN 42-0941553 | Other Services | $0 |
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 | $22,357 | $29,525-24.3% | $56,033-60.1% | $77,736-71.2% |
| Participation rate | 9.9% | 32.7%-22.7pp | 52.5%-42.5pp | 70.6%-60.6pp |
| Annual return | 14.45% | 18.90%-4.4pp | 1711.38%-1696.9pp | 31.26%-16.8pp |
| Employer contribution / active EE | $83 | $569-85.3% | $1,041-92.0% | $2,728-96.9% |
| Participant deferral / active EE | $295 | $1,062-72.2% | $1,954-84.9% | $4,651-93.7% |
| Admin fee / account holder | $44 | $1,040-95.8% | $2,827-98.4% | $433-89.8% |