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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $15,287 |
WILSHIRE ASSOCIATES INCORPORATED6+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $53,937 | $78,275-31.1% | $109,188-50.6% | $86,821-37.9% |
| Participation rate | 12.8% | 73.8%-61.0pp | 75.9%-63.1pp | 72.3%-59.5pp |
| Annual return | 71.68% | 19.14%+52.5pp | 25.76%+45.9pp | 97.94%-26.3pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $3,723-100.0% | $2,406-100.0% |
| Participant deferral / active EE | $746 | $3,641-79.5% | $4,654-84.0% | $4,132-81.9% |
| Admin fee / account holder | $416 | $198+109.5% | $6,755-93.8% | $170+145.2% |