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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $37,493 |
PRINCIPAL LIFE INSURANCE COMPANY6+ years Filed as: PRINCIPAL SECURITIES INC Service code 49 · EIN 42-0941553 | Other Services | $8,019 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $32,741 | $71,526-54.2% | $98,450-66.7% | $71,495-54.2% |
| Participation rate | 41.6% | 72.7%-31.1pp | 75.2%-33.5pp | 67.9%-26.3pp |
| Annual return | 12.93% | 32.42%-19.5pp | 21.16%-8.2pp | 28.85%-15.9pp |
| Employer contribution / active EE | $812 | $2,400-66.2% | $3,049-73.4% | $2,589-68.6% |
| Participant deferral / active EE | $2,169 | $4,110-47.2% | $4,739-54.2% | $4,291-49.5% |
| Admin fee / account holder | $307 | $1,675-81.7% | $8,961-96.6% | $1,588-80.6% |