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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $26,162 |
WILSHIRE ASSOCIATES INCORPORATED2+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $15,373 | $63,924-76.0% | $108,582-85.8% | $55,167-72.1% |
| Participation rate | 89.2% | 74.3%+14.8pp | 79.6%+9.6pp | 69.0%+20.2pp |
| Annual return | 7.51% | 15.31%-7.8pp | -51.70%+59.2pp | 169.23%-161.7pp |
| Employer contribution / active EE | $310 | $1,879-83.5% | $3,758-91.8% | $1,963-84.2% |
| Participant deferral / active EE | $1,762 | $3,067-42.5% | $4,311-59.1% | $3,054-42.3% |
| Admin fee / account holder | $166 | $618-73.2% | $7,645-97.8% | $504-67.1% |