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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $13,070 |
IMA WEALTH INC5 years Service code 49 · EIN 48-1233289 | Other Services | $7,014 |
WILSHIRE ASSOCIATES INCORPORATED8+ 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.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $27,499 | $69,848-60.6% | $115,756-76.2% | $66,949-58.9% |
| Participation rate | 43.3% | 70.6%-27.3pp | 77.1%-33.7pp | 69.8%-26.5pp |
| Annual return | -20.65% | 969.66%-990.3pp | 143.14%-163.8pp | 1.57%-22.2pp |
| Employer contribution / active EE | $0 | $2,613-100.0% | $3,793-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $2,635 | $4,274-38.4% | $6,254-57.9% | $4,239-37.8% |
| Admin fee / account holder | $218 | $337-35.4% | $8,124-97.3% | $594-63.3% |