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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $385 |
WILSHIRE ASSOCIATES INCORPORATED3+ 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).
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 | $18,547 | $54,573-66.0% | $90,965-79.6% | $73,493-74.8% |
| Participation rate | 22.3% | 61.2%-38.9pp | 69.0%-46.7pp | 70.7%-48.4pp |
| Annual return | 24.82% | 16.69%+8.1pp | 134.57%-109.7pp | 28.51%-3.7pp |
| Employer contribution / active EE | $565 | $991-43.1% | $2,122-73.4% | $2,270-75.1% |
| Participant deferral / active EE | $946 | $2,517-62.4% | $3,373-72.0% | $3,740-74.7% |
| Admin fee / account holder | $7 | $521-98.6% | $5,960-99.9% | $513-98.6% |