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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $33,580 |
STIFEL NICOLAUS & CO INC1+ years Filed as: STIFEL, NICOLAUS AND COMPANY Service code 27 · EIN 43-0538770 | Advisory (Plan) | $10,471 |
WELLS FARGO BANK, N.A.1+ years Filed as: WELLS FARGO ADVISORS FINANCIAL NETW Service code 27 · EIN 34-1542819 | Advisory (Plan) | $9,454 |
WILSHIRE ASSOCIATES INCORPORATED1+ 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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $50,002 | $49,138+1.8% | $84,020-40.5% | $65,185-23.3% |
| Participation rate | 34.4% | 60.7%-26.4pp | 69.0%-34.7pp | 70.2%-35.8pp |
| Annual return | 23.22% | 23.00%+0.2pp | 71.31%-48.1pp | 29.38%-6.2pp |
| Employer contribution / active EE | $287 | $914-68.6% | $1,984-85.5% | $2,177-86.8% |
| Participant deferral / active EE | $1,177 | $2,397-50.9% | $3,239-63.7% | $3,514-66.5% |
| Admin fee / account holder | $448 | $543-17.6% | $6,101-92.7% | $847-47.1% |