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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $51,916 |
EDWARD JONES10+ years Service code 27 · EIN 43-0345811 | Advisory (Plan) | $21,021 |
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $733 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $73,217 | $89,465-18.2% | $164,866-55.6% | $77,671-5.7% |
| Participation rate | 46.7% | 78.6%-31.9pp | 78.6%-31.9pp | 70.6%-23.9pp |
| Annual return | 13.98% | 28.81%-14.8pp | 69.97%-56.0pp | 31.21%-17.2pp |
| Employer contribution / active EE | $996 | $2,568-61.2% | $4,343-77.1% | $2,726-63.5% |
| Participant deferral / active EE | $2,276 | $4,897-53.5% | $6,033-62.3% | $4,648-51.0% |
| Admin fee / account holder | $333 | $340-1.9% | $12,689-97.4% | $430-22.6% |