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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $47,484 |
EDWARD JONES4+ years Service code 27 · EIN 43-0345811 | Advisory (Plan) | $17,572 |
WILSHIRE ASSOCIATES INCORPORATED4+ 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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $65,898 | $66,302-0.6% | $110,243-40.2% | $56,289+17.1% |
| Participation rate | 69.6% | 74.9%-5.3pp | 79.8%-10.2pp | 69.9%-0.3pp |
| Annual return | -5.31% | -1.18%-4.1pp | 314.76%-320.1pp | -9.96%+4.7pp |
| Employer contribution / active EE | $1,285 | $2,047-37.2% | $3,827-66.4% | $2,111-39.1% |
| Participant deferral / active EE | $2,570 | $3,381-24.0% | $4,672-45.0% | $3,350-23.3% |
| Admin fee / account holder | $368 | $698-47.3% | $8,548-95.7% | $521-29.3% |