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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $9,708 |
WILSHIRE ASSOCIATES INCORPORATED2+ years 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.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,784 | $25,723-15.3% | $69,182-68.5% | $55,167-60.5% |
| Participation rate | 57.8% | 39.4%+18.4pp | 55.1%+2.7pp | 69.0%-11.2pp |
| Annual return | 5.36% | 9.56%-4.2pp | -21.93%+27.3pp | 169.23%-163.9pp |
| Employer contribution / active EE | $76 | $480-84.2% | $1,206-93.7% | $1,963-96.1% |
| Participant deferral / active EE | $1,090 | $963+13.2% | $1,897-42.5% | $3,054-64.3% |
| Admin fee / account holder | $97 | $365-73.4% | $2,697-96.4% | $504-80.7% |