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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $10,206 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $11,285 | $52,580-78.5% | $71,671-84.3% | $70,126-83.9% |
| Participation rate | 65.5% | 60.9%+4.6pp | 68.7%-3.3pp | 69.5%-4.1pp |
| Annual return | 15.12% | 20.25%-5.1pp | 20.65%-5.5pp | 73.15%-58.0pp |
| Employer contribution / active EE | $84 | $1,616-94.8% | $2,460-96.6% | $2,343-96.4% |
| Participant deferral / active EE | $2,495 | $2,386+4.6% | $3,438-27.4% | $3,332-25.1% |
| Admin fee / account holder | $152 | $3,653-95.8% | $5,558-97.3% | $4,645-96.7% |