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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $52,502 |
EDWARD JONES5+ years Service code 27 · EIN 43-0345811 | Advisory (Plan) | $17,898 |
WILSHIRE ASSOCIATES INCORPORATED5+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $71,137 | $86,341-17.6% | $125,192-43.2% | $65,185+9.1% |
| Participation rate | 71.4% | 75.3%-3.9pp | 79.8%-8.4pp | 70.2%+1.2pp |
| Annual return | 20.45% | 27.44%-7.0pp | 43.79%-23.3pp | 29.38%-8.9pp |
| Employer contribution / active EE | $1,402 | $2,040-31.3% | $3,866-63.7% | $2,177-35.6% |
| Participant deferral / active EE | $2,810 | $3,538-20.6% | $4,937-43.1% | $3,514-20.0% |
| Admin fee / account holder | $372 | $609-38.9% | $9,704-96.2% | $847-56.0% |