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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $55,575 |
PRINCIPAL LIFE INSURANCE COMPANY1+ years Filed as: PRINCIPAL SECURITIES INC Service code 49 · EIN 42-0941553 | Other Services | $8,442 |
WILSHIRE ASSOCIATES INCORPORATED1+ years Filed as: WILSHIRE ADVISORS LLC 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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $80,405 | $76,112+5.6% | $96,534-16.7% | $71,511+12.4% |
| Participation rate | 51.3% | 74.4%-23.1pp | 76.0%-24.7pp | 67.9%-16.7pp |
| Annual return | 19.83% | 22.81%-3.0pp | 25.88%-6.1pp | 28.86%-9.0pp |
| Employer contribution / active EE | $426 | $2,248-81.0% | $2,965-85.6% | $2,589-83.5% |
| Participant deferral / active EE | $2,311 | $4,217-45.2% | $4,851-52.4% | $4,291-46.1% |
| Admin fee / account holder | $381 | $2,708-85.9% | $8,253-95.4% | $1,588-76.0% |