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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $40,385 |
Filed as: RAYMOND JAMES INSURANCE GROUP INC Service code 49 · EIN 59-1199408 | Other Services | $20,649 |
WILSHIRE ASSOCIATES INCORPORATED4+ 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.
Annual investment return is in the bottom quintile of the peer cohort.
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).
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 | $35,444 | $64,457-45.0% | $111,392-68.2% | $55,725-36.4% |
| Participation rate | 39.7% | 79.7%-40.0pp | 78.9%-39.2pp | 70.9%-31.1pp |
| Annual return | -10.18% | -19.97%+9.8pp | -2.06%-8.1pp | 244.93%-255.1pp |
| Employer contribution / active EE | $1,948 | $3,956-50.8% | $4,328-55.0% | $2,078-6.3% |
| Participant deferral / active EE | $3,521 | $5,219-32.5% | $5,567-36.8% | $3,356+4.9% |
| Admin fee / account holder | $266 | $112+137.3% | $12,266-97.8% | $115+130.7% |