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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $12,569 |
IMA WEALTH INC4 years Service code 49 · EIN 48-1233289 | Other Services | $6,786 |
WILSHIRE ASSOCIATES INCORPORATED7+ 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.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,396 | $102,065-70.2% | $453,569-93.3% | $85,847-64.6% |
| Participation rate | 52.7% | 72.4%-19.7pp | 78.0%-25.3pp | 69.3%-16.6pp |
| Annual return | 14.06% | 25.44%-11.4pp | 64.43%-50.4pp | 318.61%-304.5pp |
| Employer contribution / active EE | $0 | $2,852-100.0% | $4,072-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,168 | $4,789-33.9% | $6,211-49.0% | $3,952-19.8% |
| Admin fee / account holder | $210 | $5,717-96.3% | $11,214-98.1% | $6,261-96.6% |