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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $97,712 |
Filed as: PRINCIPAL SECURITIES INC Service code 49 · EIN 42-0941553 | Other Services | $27,969 |
Service code 13 · EIN 71-1039549 | Contract Administrator | $21,988 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $24,817 | $39,973-37.9% | $79,580-68.8% | $77,906-68.1% |
| Participation rate | 23.0% | 64.6%-41.6pp | 69.5%-46.5pp | 73.7%-50.7pp |
| Annual return | -17.93% | 3.42%-21.3pp | 0.15%-18.1pp | 12.16%-30.1pp |
| Employer contribution / active EE | $235 | $1,088-78.4% | $2,413-90.3% | $2,846-91.8% |
| Participant deferral / active EE | $1,374 | $2,774-50.5% | $3,985-65.5% | $4,805-71.4% |
| Admin fee / account holder | $188 | $113+66.8% | $6,835-97.2% | $133+42.1% |