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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $31,084 |
WILSHIRE ASSOCIATES INCORPORATED3+ 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 | $17,343 | $71,192-75.6% | $117,861-85.3% | $62,293-72.2% |
| Participation rate | 93.4% | 74.2%+19.1pp | 79.7%+13.7pp | 69.5%+23.9pp |
| Annual return | 15.70% | 18.66%-3.0pp | 335.11%-319.4pp | 28.90%-13.2pp |
| Employer contribution / active EE | $333 | $1,934-82.8% | $3,786-91.2% | $2,042-83.7% |
| Participant deferral / active EE | $1,944 | $3,189-39.0% | $4,482-56.6% | $3,169-38.7% |
| Admin fee / account holder | $180 | $587-69.4% | $8,021-97.8% | $479-62.5% |