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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $55,332 |
Filed as: PRINCIPAL SECURITIES INC Service code 27 · EIN 42-0941553 | Advisory (Plan) | $13,889 |
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.
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.)
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 | $37,255 | $52,722-29.3% | $90,440-58.8% | $73,412-49.3% |
| Participation rate | 26.7% | 67.7%-41.1pp | 72.7%-46.0pp | 72.2%-45.5pp |
| Annual return | 13.55% | 20.70%-7.2pp | 1294.38%-1280.8pp | 59.30%-45.7pp |
| Employer contribution / active EE | $286 | $1,872-84.7% | $3,263-91.2% | $2,234-87.2% |
| Participant deferral / active EE | $938 | $2,810-66.6% | $3,964-76.3% | $3,806-75.4% |
| Admin fee / account holder | $335 | $117+187.0% | $5,615-94.0% | $158+112.4% |