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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $32,669 |
Service code 27 · EIN 36-4906731 | Advisory (Plan) | $14,617 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,344 | $65,061-65.7% | $143,757-84.5% | $66,914-66.6% |
| Participation rate | 47.9% | 65.2%-17.2pp | 80.3%-32.4pp | 69.8%-21.9pp |
| Annual return | -13.94% | -11.14%-2.8pp | -0.04%-13.9pp | 1.58%-15.5pp |
| Employer contribution / active EE | $1,114 | $2,361-52.8% | $4,951-77.5% | $2,544-56.2% |
| Participant deferral / active EE | $2,398 | $2,919-17.8% | $5,637-57.5% | $4,237-43.4% |
| Admin fee / account holder | $303 | $502-39.7% | $14,673-97.9% | $593-48.9% |