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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $56,727 |
Filed as: PRINCIPAL SECURITIES INC Service code 27 · EIN 42-0941553 | Advisory (Plan) | $18,258 |
WILSHIRE ASSOCIATES INCORPORATED5+ 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.
Employer 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.)
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 | $33,306 | $54,237-38.6% | $90,304-63.1% | $67,579-50.7% |
| Participation rate | 28.8% | 68.6%-39.8pp | 73.3%-44.5pp | 71.3%-42.5pp |
| Annual return | 18.99% | 37.27%-18.3pp | 78.13%-59.1pp | 378.56%-359.6pp |
| Employer contribution / active EE | $300 | $1,846-83.8% | $2,855-89.5% | $2,148-86.1% |
| Participant deferral / active EE | $991 | $2,625-62.3% | $3,885-74.5% | $3,539-72.0% |
| Admin fee / account holder | $313 | $123+154.0% | $5,354-94.1% | $142+120.3% |