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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $14,735 |
WILSHIRE ASSOCIATES INCORPORATED2+ 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.
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).
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 | $14,233 | $51,288-72.2% | $81,988-82.6% | $73,412-80.6% |
| Participation rate | 24.2% | 64.0%-39.8pp | 69.3%-45.0pp | 72.2%-48.0pp |
| Annual return | 132.54% | 29.48%+103.1pp | 41.31%+91.2pp | 59.30%+73.2pp |
| Employer contribution / active EE | $505 | $1,487-66.0% | $2,498-79.8% | $2,234-77.4% |
| Participant deferral / active EE | $1,190 | $2,715-56.2% | $3,722-68.0% | $3,806-68.7% |
| Admin fee / account holder | $183 | $125+46.1% | $5,665-96.8% | $158+16.0% |