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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 | $89,067-51.3% | $102,423-57.6% | $77,714-44.2% |
| Participation rate | 47.3% | 80.9%-33.6pp | 76.5%-29.2pp | 70.6%-23.3pp |
| Annual return | 13.60% | 25.01%-11.4pp | 29.42%-15.8pp | 31.26%-17.7pp |
| Employer contribution / active EE | $1,138 | $2,699-57.8% | $3,023-62.4% | $2,727-58.3% |
| Participant deferral / active EE | $1,603 | $5,147-68.9% | $5,054-68.3% | $4,649-65.5% |
| Admin fee / account holder | $352 | $236+49.2% | $9,455-96.3% | $433-18.8% |