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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $7,324 |
WILSHIRE ASSOCIATES INCORPORATED3+ 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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $11,653 | $82,523-85.9% | $115,752-89.9% | $70,126-83.4% |
| Participation rate | 43.2% | 74.0%-30.8pp | 77.8%-34.6pp | 69.5%-26.4pp |
| Annual return | 14.54% | 28.22%-13.7pp | 19.41%-4.9pp | 73.15%-58.6pp |
| Employer contribution / active EE | $0 | $2,758-100.0% | $3,492-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,649 | $4,062-59.4% | $5,204-68.3% | $3,332-50.5% |
| Admin fee / account holder | $88 | $4,552-98.1% | $6,278-98.6% | $4,645-98.1% |