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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $31,532 |
STIFEL NICOLAUS & CO INC2+ years Filed as: STIFEL, NICOLAUS AND COMPANY Service code 27 · EIN 43-0538770 | Advisory (Plan) | $18,224 |
WILSHIRE ASSOCIATES INCORPORATED2+ 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.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $53,097 | $54,573-2.7% | $90,970-41.6% | $73,493-27.8% |
| Participation rate | 34.1% | 61.2%-27.1pp | 69.0%-34.9pp | 70.7%-36.6pp |
| Annual return | 19.76% | 16.69%+3.1pp | 134.58%-114.8pp | 28.51%-8.8pp |
| Employer contribution / active EE | $178 | $991-82.1% | $2,122-91.6% | $2,270-92.2% |
| Participant deferral / active EE | $1,228 | $2,517-51.2% | $3,373-63.6% | $3,740-67.2% |
| Admin fee / account holder | $380 | $521-27.1% | $5,960-93.6% | $513-26.0% |