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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $5,608 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $56 |
Filed as: WILSHIRE ASSOCAITES INCORPORATED Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
WILSHIRE ASSOCIATES INCORPORATED2+ years Service code 27 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 | $22,862 | $23,385-2.2% | $69,182-67.0% | $57,658-60.3% |
| Participation rate | 27.4% | 37.9%-10.5pp | 55.1%-27.7pp | 70.2%-42.9pp |
| Annual return | 7.48% | -659.34%+666.8pp | -21.93%+29.4pp | 5.13%+2.3pp |
| Employer contribution / active EE | $0 | $422-100.0% | $1,206-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $596 | $843-29.2% | $1,897-68.6% | $3,061-80.5% |
| Admin fee / account holder | $227 | $82+176.9% | $2,697-91.6% | $95+140.6% |