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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $30,056 |
MORNINGSTAR1+ years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
WILSHIRE ASSOCIATES INCORPORATED1+ 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.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $84,821 | $62,541+35.6% | $129,384-34.4% | $199,960-57.6% |
| Participation rate | 34.1% | 56.8%-22.7pp | 69.6%-35.6pp | 72.0%-37.9pp |
| Annual return | 11.56% | 16.95%-5.4pp | 9461.77%-9450.2pp | 34.28%-22.7pp |
| Employer contribution / active EE | $664 | $2,392-72.2% | $4,153-84.0% | $3,036-78.1% |
| Participant deferral / active EE | $2,240 | $3,123-28.3% | $4,166-46.2% | $5,087-56.0% |
| Admin fee / account holder | $33 | $167-80.1% | $7,686-99.6% | $269-87.7% |