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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $24,118 |
WILSHIRE ASSOCIATES INCORPORATED1+ 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.)
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $20,687 | $65,376-68.4% | $87,104-76.3% | $65,185-68.3% |
| Participation rate | 56.3% | 75.3%-19.0pp | 76.9%-20.6pp | 70.2%-13.9pp |
| Annual return | 50.27% | 31.27%+19.0pp | 28.19%+22.1pp | 29.38%+20.9pp |
| Employer contribution / active EE | $1,396 | $1,822-23.4% | $2,521-44.6% | $2,177-35.9% |
| Participant deferral / active EE | $4,711 | $3,388+39.0% | $4,048+16.4% | $3,514+34.1% |
| Admin fee / account holder | $383 | $520-26.3% | $7,491-94.9% | $847-54.8% |