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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $55,562 |
LPL FINANCIAL6 years Filed as: LPL FINANCIAL LLC Service code 49 · EIN 95-2834236 | Other Services | $24,256 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $61,008 | $80,781-24.5% | $102,437-40.4% | $74,478-18.1% |
| Participation rate | 64.9% | 65.7%-0.7pp | 74.5%-9.6pp | 67.2%-2.3pp |
| Annual return | 7.66% | 27.58%-19.9pp | 24.95%-17.3pp | 1370.56%-1362.9pp |
| Employer contribution / active EE | $1,257 | $3,160-60.2% | $3,871-67.5% | $2,626-52.1% |
| Participant deferral / active EE | $4,133 | $3,862+7.0% | $5,060-18.3% | $4,350-5.0% |
| Admin fee / account holder | $514 | $2,372-78.3% | $8,388-93.9% | $1,946-73.6% |