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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $27,133 |
MORNINGSTAR1+ years Filed as: MORNINGSTAR INVESTMENT MGMT LLC Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
WILSHIRE ASSOCIATES INCORPORATED1+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,604 | $58,347-88.7% | $85,709-92.3% | $86,821-92.4% |
| Participation rate | 95.4% | 64.9%+30.5pp | 69.9%+25.5pp | 72.3%+23.1pp |
| Annual return | 28.90% | 18.43%+10.5pp | 21.49%+7.4pp | 97.94%-69.0pp |
| Employer contribution / active EE | $1,084 | $1,751-38.1% | $2,619-58.6% | $2,406-55.0% |
| Participant deferral / active EE | $2,503 | $3,065-18.3% | $3,924-36.2% | $4,132-39.4% |
| Admin fee / account holder | $75 | $147-49.4% | $6,876-98.9% | $170-56.0% |