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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $35,246 |
SBHU LIFE AGENCY INC1 year Service code 49 · EIN 13-2896238 | Other Services | $11,733 |
ORENDA RETIREMENT, LLC1 year Filed as: ORENDA RETIREMENT LLC Service code 13 · EIN 36-4877979 | Contract Administrator | $5,186 |
WILSHIRE ASSOCIATES INCORPORATED5+ 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.
Employer contribution per participant 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,789 | $91,372-78.3% | $130,045-84.8% | $74,460-73.4% |
| Participation rate | 54.8% | 77.8%-23.0pp | 78.5%-23.7pp | 70.7%-16.0pp |
| Annual return | 21.16% | 23.21%-2.0pp | -137.30%+158.5pp | 34.38%-13.2pp |
| Employer contribution / active EE | $815 | $2,563-68.2% | $4,321-81.1% | $2,638-69.1% |
| Participant deferral / active EE | $2,682 | $4,721-43.2% | $5,820-53.9% | $4,530-40.8% |
| Admin fee / account holder | $138 | $283-51.3% | $10,600-98.7% | $348-60.4% |