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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $52,817 |
LPL FINANCIAL5 years Filed as: LPL FINANCIAL LLC Service code 49 · EIN 95-2834236 | Other Services | $23,579 |
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.
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 | $52,228 | $76,696-31.9% | $96,515-45.9% | $71,511-27.0% |
| Participation rate | 68.7% | 66.6%+2.1pp | 74.3%-5.6pp | 67.9%+0.8pp |
| Annual return | 10.48% | 48.32%-37.8pp | 35.73%-25.2pp | 28.86%-18.4pp |
| Employer contribution / active EE | $1,184 | $3,032-61.0% | $3,740-68.4% | $2,589-54.3% |
| Participant deferral / active EE | $3,856 | $3,770+2.3% | $4,880-21.0% | $4,291-10.1% |
| Admin fee / account holder | $423 | $2,030-79.2% | $6,735-93.7% | $1,588-73.4% |