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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $58,913 |
EDWARD JONES8+ years Service code 27 · EIN 43-0345811 | Advisory (Plan) | $22,694 |
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.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $71,437 | $86,655-17.6% | $119,609-40.3% | $66,914+6.8% |
| Participation rate | 57.6% | 75.6%-18.0pp | 79.3%-21.7pp | 69.8%-12.2pp |
| Annual return | -15.63% | -8.00%-7.6pp | -14.97%-0.7pp | 1.58%-17.2pp |
| Employer contribution / active EE | $1,432 | $2,536-43.5% | $4,232-66.2% | $2,544-43.7% |
| Participant deferral / active EE | $2,881 | $4,358-33.9% | $5,602-48.6% | $4,237-32.0% |
| Admin fee / account holder | $421 | $755-44.2% | $10,323-95.9% | $593-29.1% |