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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $15,844 |
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.
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 | $42,395 | $106,236-60.1% | $112,263-62.2% | $64,824-34.6% |
| Participation rate | 12.5% | 71.7%-59.1pp | 75.1%-62.5pp | 71.5%-58.9pp |
| Annual return | -5.18% | -6.02%+0.8pp | 27.49%-32.7pp | 32.84%-38.0pp |
| Employer contribution / active EE | $0 | $3,167-100.0% | $3,636-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $692 | $3,786-81.7% | $4,729-85.4% | $4,311-83.9% |
| Admin fee / account holder | $405 | $452-10.3% | $6,410-93.7% | $188+115.8% |