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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $64,000 |
WELLS FARGO BANK, N.A.3 years Filed as: WELLS FARGO CLEARING SERIVES LLC Service code 49 | Other Services | $5,966 |
WELLS FARGO BANK, N.A.5+ years Filed as: WELLS FARGO ADVISORS INS AGENCY LLC Service code 49 · EIN 54-0910269 | Other Services | $3,902 |
WELLS FARGO BANK, N.A.3 years Filed as: WELLS FARGO CLEARING SERVICES LLC Service code 49 · EIN 34-1542819 | Other Services | $0 |
WILSHIRE ASSOCIATES INCORPORATED5+ 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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $41,876 | $52,293-19.9% | $178,498-76.5% | $73,412-43.0% |
| Participation rate | 47.5% | 65.3%-17.8pp | 81.9%-34.4pp | 72.2%-24.7pp |
| Annual return | 9.39% | 34.75%-25.4pp | 151.09%-141.7pp | 59.30%-49.9pp |
| Employer contribution / active EE | $523 | $1,735-69.8% | $5,011-89.6% | $2,234-76.6% |
| Participant deferral / active EE | $1,409 | $2,332-39.6% | $5,202-72.9% | $3,806-63.0% |
| Admin fee / account holder | $323 | $127+153.8% | $13,985-97.7% | $158+104.7% |