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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $13,624 |
LPL FINANCIAL2 years Filed as: LPL FINANCIAL LLC Service code 49 · EIN 95-2834236 | Other Services | $1,817 |
WILSHIRE ASSOCIATES INCORPORATED4+ 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.
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 | $31,673 | $48,261-34.4% | $68,612-53.8% | $55,725-43.2% |
| Participation rate | 25.1% | 71.0%-45.9pp | 72.2%-47.1pp | 70.9%-45.8pp |
| Annual return | -4.53% | -2.61%-1.9pp | -4.63%+0.1pp | 244.93%-249.5pp |
| Employer contribution / active EE | $0 | $1,742-100.0% | $2,625-100.0% | $2,078-100.0% |
| Participant deferral / active EE | $2,621 | $2,712-3.3% | $3,311-20.8% | $3,356-21.9% |
| Admin fee / account holder | $113 | $126-10.2% | $5,131-97.8% | $115-1.7% |