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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $66,505 |
Filed as: FBL FINANCIAL GROUP, LLC Service code 27 · EIN 42-1411715 | Advisory (Plan) | $10,578 |
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.
Participant 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.)
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 | $43,383 | $89,123-51.3% | $102,460-57.7% | $77,762-44.2% |
| Participation rate | 47.3% | 80.9%-33.6pp | 76.5%-29.2pp | 70.6%-23.3pp |
| Annual return | 13.60% | 25.05%-11.4pp | 29.47%-15.9pp | 31.27%-17.7pp |
| Employer contribution / active EE | $1,138 | $2,700-57.9% | $3,025-62.4% | $2,728-58.3% |
| Participant deferral / active EE | $1,603 | $5,148-68.9% | $5,056-68.3% | $4,651-65.5% |
| Admin fee / account holder | $352 | $236+49.2% | $9,460-96.3% | $433-18.7% |