See peer percentile detail. $4.99 for your first month.
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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $47,128 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Annual investment return 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.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $8,387 | $44,764-81.3% | $68,791-87.8% | $64,808-87.1% |
| Participation rate | 95.9% | 64.8%+31.2pp | 69.0%+26.9pp | 71.5%+24.5pp |
| Annual return | -18.02% | -10.91%-7.1pp | -6.38%-11.6pp | 32.82%-50.8pp |
| Employer contribution / active EE | $1,342 | $1,775-24.4% | $2,655-49.5% | $2,506-46.5% |
| Participant deferral / active EE | $3,244 | $3,238+0.2% | $3,941-17.7% | $4,310-24.7% |
| Admin fee / account holder | $129 | $151-14.7% | $4,932-97.4% | $188-31.2% |