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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $13,769 |
MORGAN STANLEY SMITH BARNEY1+ years Filed as: MORGAN STANLEY INS SERVICES INC Service code 49 · EIN 51-0116113 | Other Services | $13,364 |
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.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $13,911 | $88,324-84.2% | $115,038-87.9% | $55,191-74.8% |
| Participation rate | 37.2% | 72.5%-35.3pp | 81.4%-44.2pp | 69.2%-31.9pp |
| Annual return | 8.73% | 6.30%+2.4pp | 26.14%-17.4pp | 10.78%-2.0pp |
| Employer contribution / active EE | $547 | $2,805-80.5% | $4,608-88.1% | $1,899-71.2% |
| Participant deferral / active EE | $1,399 | $5,042-72.3% | $6,026-76.8% | $3,046-54.1% |
| Admin fee / account holder | $55 | $105-47.5% | $8,175-99.3% | $91-39.1% |