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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $9,758 |
WILSHIRE ASSOCIATES INCORPORATED1+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $25 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $36,870 | $73,638-49.9% | $95,964-61.6% | $73,497-49.8% |
| Participation rate | 31.1% | 76.2%-45.1pp | 77.1%-46.0pp | 70.7%-39.6pp |
| Annual return | 17.57% | 16.78%+0.8pp | 91.64%-74.1pp | 28.51%-10.9pp |
| Employer contribution / active EE | $0 | $1,863-100.0% | $2,541-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,478 | $3,617-31.5% | $4,167-40.5% | $3,740-33.7% |
| Admin fee / account holder | $181 | $482-62.5% | $6,797-97.3% | $513-64.8% |