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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $3,133 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $44,652 | $46,297-3.6% | $71,671-37.7% | $62,293-28.3% |
| Participation rate | 44.0% | 60.6%-16.7pp | 68.7%-24.8pp | 69.5%-25.6pp |
| Annual return | 10.67% | 22.32%-11.7pp | 20.65%-10.0pp | 28.90%-18.2pp |
| Employer contribution / active EE | $710 | $1,412-49.7% | $2,460-71.1% | $2,042-65.2% |
| Participant deferral / active EE | $962 | $2,235-57.0% | $3,438-72.0% | $3,169-69.7% |
| Admin fee / account holder | $51 | $461-88.8% | $5,558-99.1% | $479-89.3% |