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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $32,128 |
WILSHIRE ASSOCIATES INCORPORATED3+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,069 | $58,888+2.0% | $178,499-66.3% | $73,493-18.3% |
| Participation rate | 77.0% | 66.2%+10.8pp | 81.9%-4.9pp | 70.7%+6.3pp |
| Annual return | 20.74% | 24.86%-4.1pp | 151.10%-130.4pp | 28.51%-7.8pp |
| Employer contribution / active EE | $640 | $2,236-71.4% | $5,011-87.2% | $2,270-71.8% |
| Participant deferral / active EE | $3,204 | $2,568+24.8% | $5,202-38.4% | $3,740-14.3% |
| Admin fee / account holder | $321 | $400-19.7% | $13,986-97.7% | $513-37.4% |