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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $52,935 |
M HOLDINGS SECURITIES INC3+ years Service code 49 · EIN 91-1802259 | Other Services | $14,430 |
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.)
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,617 | $42,548+9.6% | $74,551-37.5% | $56,289-17.2% |
| Participation rate | 82.2% | 60.5%+21.7pp | 69.1%+13.0pp | 69.9%+12.3pp |
| Annual return | -7.64% | 12.40%-20.0pp | 32.53%-40.2pp | -9.96%+2.3pp |
| Employer contribution / active EE | $288 | $855-66.3% | $1,961-85.3% | $2,111-86.4% |
| Participant deferral / active EE | $5,181 | $2,277+127.5% | $3,108+66.7% | $3,350+54.7% |
| Admin fee / account holder | $346 | $467-25.9% | $5,059-93.2% | $521-33.6% |