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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $23,205 |
Filed as: PRINCIPAL SECURITIES, INC. Service code 49 · EIN 42-0941553 | Other Services | $6,004 |
WILSHIRE ASSOCIATES INCORPORATED7+ 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.
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,613 | $93,182-50.0% | $146,665-68.2% | $79,386-41.3% |
| Participation rate | 50.4% | 76.4%-26.0pp | 80.1%-29.7pp | 70.7%-20.3pp |
| Annual return | 14.14% | 21.61%-7.5pp | 22.74%-8.6pp | 116.85%-102.7pp |
| Employer contribution / active EE | $366 | $2,420-84.9% | $4,136-91.2% | $2,427-84.9% |
| Participant deferral / active EE | $2,687 | $4,169-35.5% | $5,506-51.2% | $4,046-33.6% |
| Admin fee / account holder | $327 | $585-44.1% | $10,280-96.8% | $626-47.8% |