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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $11,951 |
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.
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 | $17,208 | $36,700-53.1% | $171,082-89.9% | $63,975-73.1% |
| Participation rate | 35.3% | 61.5%-26.3pp | 76.7%-41.4pp | 71.1%-35.9pp |
| Annual return | 8.85% | 12.80%-4.0pp | 32.56%-23.7pp | 48.65%-39.8pp |
| Employer contribution / active EE | $347 | $1,210-71.3% | $4,002-91.3% | $2,182-84.1% |
| Participant deferral / active EE | $1,209 | $2,696-55.2% | $4,797-74.8% | $3,356-64.0% |
| Admin fee / account holder | $22 | $68-66.8% | $8,520-99.7% | $70-68.2% |