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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $29,372 |
Service code 49 · EIN 74-2794194 | Other Services | $0 |
Filed as: WILSHIRE ADVISORS LLC 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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $10,586 | $40,386-73.8% | $80,607-86.9% | $74,440-85.8% |
| Participation rate | 27.5% | 47.4%-19.9pp | 67.0%-39.5pp | 70.7%-43.2pp |
| Annual return | 21.23% | 165.00%-143.8pp | 936.11%-914.9pp | 34.37%-13.1pp |
| Employer contribution / active EE | $0 | $1,496-100.0% | $2,724-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $966 | $2,670-63.8% | $4,448-78.3% | $4,529-78.7% |
| Admin fee / account holder | $126 | $720-82.6% | $5,379-97.7% | $348-63.9% |