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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $29,672 |
PLANNING CORP OF AMERICA1+ years Service code 49 · EIN 72-1100371 | Other Services | $6,443 |
WILSHIRE ASSOCIATES INCORPORATED1+ 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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $38,129 | $59,231-35.6% | $90,223-57.7% | $52,331-27.1% |
| Participation rate | 39.4% | 75.0%-35.6pp | 79.0%-39.7pp | 68.1%-28.7pp |
| Annual return | 86.21% | 3.53%+82.7pp | 1.31%+84.9pp | 4.54%+81.7pp |
| Employer contribution / active EE | $536 | $3,391-84.2% | $4,378-87.7% | $1,882-71.5% |
| Participant deferral / active EE | $3,119 | $4,659-33.1% | $5,792-46.2% | $3,022+3.2% |
| Admin fee / account holder | $366 | $515-28.8% | $7,406-95.1% | $592-38.1% |