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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $48,307 |
LPL FINANCIAL5 years Filed as: LPL FINANCIAL LLC - RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $14,722 |
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.)
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 | $33,505 | $73,459-54.4% | $178,528-81.2% | $74,429-55.0% |
| Participation rate | 61.1% | 66.5%-5.5pp | 77.1%-16.0pp | 67.2%-6.2pp |
| Annual return | 7.04% | 17.50%-10.5pp | 27.11%-20.1pp | 1368.38%-1361.3pp |
| Employer contribution / active EE | $535 | $2,219-75.9% | $3,950-86.5% | $2,625-79.6% |
| Participant deferral / active EE | $2,321 | $4,515-48.6% | $6,278-63.0% | $4,348-46.6% |
| Admin fee / account holder | $314 | $1,812-82.7% | $10,419-97.0% | $1,944-83.9% |