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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $48,943 |
M HOLDINGS SECURITIES INC2+ years Service code 49 · EIN 91-1802259 | Other Services | $12,837 |
WILSHIRE ASSOCIATES INCORPORATED2+ 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).
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 | $50,014 | $51,466-2.8% | $78,778-36.5% | $62,293-19.7% |
| Participation rate | 71.6% | 59.8%+11.8pp | 69.2%+2.4pp | 69.5%+2.1pp |
| Annual return | 18.11% | 19.96%-1.8pp | 35.62%-17.5pp | 28.90%-10.8pp |
| Employer contribution / active EE | $258 | $827-68.9% | $1,986-87.0% | $2,042-87.4% |
| Participant deferral / active EE | $4,340 | $2,147+102.1% | $2,958+46.7% | $3,169+36.9% |
| Admin fee / account holder | $300 | $489-38.6% | $5,134-94.2% | $479-37.4% |