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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $29,975 |
Filed as: PENSERVCO INC Service code 13 · EIN 59-3634521 | Contract Administrator | $13,642 |
Filed as: PRINCIPAL SECURITIES INC Service code 49 · EIN 42-0941553 | Other Services | $9,333 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Filed as: WILSHIRE ADVISORS LLC Service code 26 · EIN 95-2755361 | Advisory (Participants) | $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.
Annual investment return 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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,522 | $50,919-71.5% | $155,556-90.7% | $77,762-81.3% |
| Participation rate | 19.6% | 63.1%-43.5pp | 78.2%-58.6pp | 70.6%-51.0pp |
| Annual return | 7.42% | 34.84%-27.4pp | 64.84%-57.4pp | 31.27%-23.9pp |
| Employer contribution / active EE | $0 | $1,991-100.0% | $4,675-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $333 | $2,824-88.2% | $5,631-94.1% | $4,651-92.8% |
| Admin fee / account holder | $180 | $437-58.8% | $15,885-98.9% | $433-58.4% |