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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $77,737 |
LPL FINANCIAL4+ years Filed as: LPL FINANCIAL LLC - RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $43,321 |
WILSHIRE ASSOCIATES INCORPORATED4+ years 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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $99,681 | $46,464+114.5% | $150,298-33.7% | $79,634+25.2% |
| Participation rate | 64.8% | 57.0%+7.9pp | 77.8%-12.9pp | 62.5%+2.3pp |
| Annual return | 17.49% | 27.89%-10.4pp | 62.79%-45.3pp | 36.46%-19.0pp |
| Employer contribution / active EE | $2,496 | $1,512+65.1% | $4,154-39.9% | $2,529-1.3% |
| Participant deferral / active EE | $5,226 | $2,157+142.3% | $5,453-4.2% | $3,835+36.3% |
| Admin fee / account holder | $381 | $891-57.2% | $14,116-97.3% | $1,002-62.0% |