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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $85,955 |
EDWARD JONES4 years Service code 27 · EIN 43-0345811 | Advisory (Plan) | $26,346 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,825 | $80,748-25.9% | $102,383-41.6% | $74,429-19.6% |
| Participation rate | 94.4% | 65.7%+28.7pp | 74.5%+19.9pp | 67.2%+27.2pp |
| Annual return | 10.97% | 27.57%-16.6pp | 24.94%-14.0pp | 1368.38%-1357.4pp |
| Employer contribution / active EE | $0 | $3,159-100.0% | $3,870-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $3,816 | $3,861-1.2% | $5,060-24.6% | $4,348-12.2% |
| Admin fee / account holder | $349 | $2,371-85.3% | $8,391-95.8% | $1,944-82.0% |