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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $43,620 |
Filed as: MML INSURANCE AGENCY LLC Service code 49 · EIN 04-3109325 | Other Services | $10,409 |
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 | $26,010 | $82,972-68.7% | $103,374-74.8% | $77,671-66.5% |
| Participation rate | 48.8% | 71.5%-22.7pp | 74.5%-25.7pp | 70.6%-21.8pp |
| Annual return | 14.68% | 19.14%-4.5pp | 24.89%-10.2pp | 31.21%-16.5pp |
| Employer contribution / active EE | $1,822 | $3,554-48.7% | $3,869-52.9% | $2,726-33.2% |
| Participant deferral / active EE | $2,916 | $4,108-29.0% | $5,058-42.3% | $4,648-37.3% |
| Admin fee / account holder | $172 | $639-73.1% | $8,394-98.0% | $430-60.1% |