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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $12,851 |
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.
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).
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 | $10,732 | $42,396-74.7% | $67,313-84.1% | $56,289-80.9% |
| Participation rate | 52.0% | 61.0%-9.0pp | 69.1%-17.1pp | 69.9%-17.9pp |
| Annual return | -12.93% | -36.63%+23.7pp | -4.08%-8.8pp | -9.96%-3.0pp |
| Employer contribution / active EE | $1,600 | $1,414+13.2% | $2,566-37.7% | $2,111-24.2% |
| Participant deferral / active EE | $2,446 | $2,360+3.7% | $3,568-31.5% | $3,350-27.0% |
| Admin fee / account holder | $131 | $510-74.3% | $4,507-97.1% | $521-74.9% |