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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY11+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $39,359 |
Filed as: PRINCIPAL SECURITIES INC Service code 49 · EIN 42-0941553 | Other Services | $26,940 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $20,616 | $103,975-80.2% | $160,784-87.2% | $103,975-80.2% |
| Participation rate | 33.1% | 72.5%-39.4pp | 77.0%-43.9pp | 72.5%-39.4pp |
| Annual return | 19.95% | 19.41%+0.5pp | 1803.92%-1784.0pp | 19.41%+0.5pp |
| Employer contribution / active EE | $205 | $3,722-94.5% | $3,733-94.5% | $3,722-94.5% |
| Participant deferral / active EE | $1,779 | $5,343-66.7% | $6,293-71.7% | $5,343-66.7% |
| Admin fee / account holder | $75 | $332-77.4% | $9,717-99.2% | $332-77.4% |