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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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,786 | $88,186-31.1% | $165,071-63.2% | $74,459-18.4% |
| Participation rate | 55.2% | 73.1%-18.0pp | 78.6%-23.5pp | 67.2%-12.1pp |
| Annual return | 10.83% | 17.13%-6.3pp | 70.17%-59.3pp | 1369.70%-1358.9pp |
| Employer contribution / active EE | $303 | $2,600-88.3% | $4,347-93.0% | $2,626-88.4% |
| Participant deferral / active EE | $3,115 | $4,505-30.9% | $6,035-48.4% | $4,350-28.4% |
| Admin fee / account holder | $499 | $2,234-77.7% | $12,695-96.1% | $1,945-74.3% |