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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $38,745 |
EDWARD JONES2 years Service code 27 · EIN 43-0345811 | Advisory (Plan) | $20,957 |
WILSHIRE ASSOCIATES INCORPORATED3+ years 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.
Annual investment return 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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $30,754 | $101,653-69.7% | $147,080-79.1% | $74,459-58.7% |
| Participation rate | 61.3% | 75.6%-14.2pp | 82.2%-20.9pp | 67.2%-5.9pp |
| Annual return | 12.58% | 8754.98%-8742.4pp | 420.17%-407.6pp | 1369.70%-1357.1pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,933-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,224 | $7,304-69.6% | $8,066-72.4% | $4,350-48.9% |
| Admin fee / account holder | $277 | $1,752-84.2% | $12,989-97.9% | $1,945-85.8% |