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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $15,600 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Opinion is qualified - a specific issue limited the scope or accuracy of the audit.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,866 | $71,142-88.9% | $119,608-93.4% | $64,814-87.9% |
| Participation rate | 93.7% | 78.6%+15.1pp | 79.3%+14.4pp | 71.5%+22.2pp |
| Annual return | 214.66% | -10.01%+224.7pp | -14.98%+229.6pp | 32.84%+181.8pp |
| Employer contribution / active EE | $0 | $2,497-100.0% | $4,232-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $3,947 | $4,490-12.1% | $5,601-29.5% | $4,310-8.4% |
| Admin fee / account holder | $29 | $162-82.1% | $10,326-99.7% | $188-84.6% |