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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $67,890 |
EDWARD JONES10+ years Service code 27 · EIN 43-0345811 | Advisory (Plan) | $18,435 |
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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $60,786 | $88,087-31.0% | $164,866-63.1% | $74,546-18.5% |
| Participation rate | 55.2% | 73.1%-17.9pp | 78.6%-23.5pp | 67.2%-12.1pp |
| Annual return | 10.83% | 17.27%-6.4pp | 69.97%-59.1pp | 1366.03%-1355.2pp |
| Employer contribution / active EE | $303 | $2,595-88.3% | $4,343-93.0% | $2,624-88.4% |
| Participant deferral / active EE | $3,115 | $4,499-30.8% | $6,033-48.4% | $4,347-28.4% |
| Admin fee / account holder | $499 | $2,232-77.6% | $12,689-96.1% | $1,944-74.3% |