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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $25,300 |
M.S. HOWELLS & CO1 year Filed as: M S HOWELLS & CO Service code 49 | Other Services | $18,275 |
M.S. HOWELLS & CO2 years Filed as: M S HOWELL & CO Service code 49 · EIN 86-0988422 | Other Services | $0 |
WILSHIRE ASSOCIATES INCORPORATED6+ 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.
Participant contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $48,204 | $85,135-43.4% | $98,920-51.3% | $73,412-34.3% |
| Participation rate | 54.8% | 81.1%-26.3pp | 76.0%-21.2pp | 72.2%-17.4pp |
| Annual return | 12.58% | 19.14%-6.6pp | 196.47%-183.9pp | 59.30%-46.7pp |
| Employer contribution / active EE | $0 | $2,721-100.0% | $2,689-100.0% | $2,234-100.0% |
| Participant deferral / active EE | $1,705 | $4,349-60.8% | $4,245-59.8% | $3,806-55.2% |
| Admin fee / account holder | $79 | $139-43.0% | $6,643-98.8% | $158-49.8% |