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| Provider | Service type | Compensation |
|---|---|---|
TBS AGENCY INC6+ years Service code 49 · EIN 52-1473914 1776 PLEASANT PLAIN RD · FAIRFIELD, IA 52556 | Other Services | $14,112 |
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 711 HIGH STREET · DES MOINES, IA 503920001 | Contract Administrator | $8,586 |
Filed as: CAMBRIDGE INVESTMENT RESEARCH INC Service code 49 · EIN 42-1445429 1776 PLEASANT PLAIN RD · FAIRFIELD, IA 525568757 | Other Services | $5,156 |
WILSHIRE ASSOCIATES INCORPORATED6+ years Service code 22 · EIN 95-2755361 1299 OCEAN AVE., SUITE 700 · SANTA MONICA, CA 90401 | Insurance Broker | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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).
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 | $72,933 | $59,267+23.1% | $96,575-24.5% | $79,393-8.1% |
| Participation rate | 34.0% | 61.9%-27.9pp | 69.8%-35.9pp | 70.7%-36.8pp |
| Annual return | 9.44% | 27.08%-17.6pp | 37.79%-28.3pp | 116.87%-107.4pp |
| Employer contribution / active EE | $0 | $1,216-100.0% | $2,357-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $2,534 | $2,947-14.0% | $3,849-34.2% | $4,046-37.4% |
| Admin fee / account holder | $134 | $659-79.6% | $6,182-97.8% | $627-78.6% |